Scams are becoming more common and more convincing. They can happen to anyone.
The good news is there are simple steps you can take to protect yourself, and trusted places you can go for help.
What are scams?
Scams are attempts to trick you into giving away money or personal information. They often look real and may seem urgent or important.
Scammers may contact you by phone, email, text message, or social media, or even in person.
The Own Your Online website is run by the National Cyber Security Centre. Their 2024 video on remains relevant and provides helpful information about scams in Aotearoa New Zealand. Replay: Staying safe online for seniors – Own Your Online
Common warning signs
Scams are always changing, but many share the same warning signs:
- You are contacted unexpectedly
- You are asked to act quickly or urgently
- You are asked for money, passwords, or personal details
- Something feels “off” or too good to be true
If you notice any of these, take a moment to pause and check.
When someone gains your trust
Some scams involve people building a relationship over time.
This may happen in person or in your community, or online. Someone might offer to help with small jobs, errands, or repairs, or connect with you through social media or online dating. They may seem friendly, caring, and reliable at first.
Over time, they may begin to:
- Ask to borrow money
- Tell you urgent or emotional stories about needing help
- Request access to your bank account or personal information
- Avoid meeting in person, be introduced to your friends and family, or making excuses not to video call
- Increase the amount or frequency of requests
In online relationships, scammers may take time to build trust before asking for money. They can be very convincing and may say they care about you or see a future together.
These situations can feel confusing, especially if you have come to trust the person.
Simple ways to protect yourself
- Take your time getting to know someone – don’t feel rushed into trust
- Be cautious about sharing personal details, even if someone seems genuine
- Never send money or gifts to someone you haven’t met in person
- Be wary if someone avoids meeting, video calling, or introducing you to others
- Keep control of your finances – don’t give anyone access to your accounts
- Talk to someone you trust before agreeing to lend money or provide help
- Trust your instincts. If something doesn’t feel right, it’s okay to step back
It’s okay to say no, slow things down, or step back.
If you are unsure, talk with friends and family member to hear their perspective. They may have had similar experiences or heard information that could be helpful.
There are also several links in the Useful Links section below to help you protect yourself online.
If you think you’ve been scammed
You are not alone. Scams are designed to be convincing.
Act quickly:
- Contact your bank if money or account details are involved
- Stop communication with the scammer
Reporting can help prevent others from being scammed
Online scam
You can report it to the National Cyber Security Centre here. Netsafe also offers support and guidance.
Business scam or fraud
You can report it to the Commerce Commission. Visit comcom.govt.nz/report-a-concern to learn more about how to submit a concern and what to include. You can also report a concern by phone on 0800 943 600, email contact@comcom.govt.nz, or mail at Commerce Commission, PO Box 2351, Wellington 6140
Investment scam
If the scam relates to an illegal investment offer or scheme you should also contact the Financial Markets Authority
In-person scam
You can report it to the NZ Police on the 105 Police Non-Emergency system. This can be online or call 105.
If you’re unsure or worried about something, Age Concern can help you talk through your next steps.
Taking a moment to check, and reaching out for support, can make all the difference.
