Your safety and security is important to us, especially online.

That’s why we’re always working hard to make sure we have up to date technology and support from experienced experts for the early detection of suspicious activity.

But even with those measures in place, you might still find yourself the target of a scam, so it’s important to be aware and as vigilant as possible.

Here’s everything you need to know about spotting a scam and keeping yourself and your personal information safe.

Scam Delivery Methods


That claim to be from a business or agency seeking payment


That ask you to click on links or verify information

Phone Calls

That pressure you to take up an offer or threaten you with unpaid debt

Social Media

Accounts that claim you’ve won a prize or need you to help them with an emergency

Types of Scams

There’s a reason these scams are so common - it’s because they work! Read on to discover the most common scams, the warning signs to look out for, and what to do if you feel you’ve been targeted.

Business Email Compromise (BEC)

Investment Scams

Phishing Scams

Remote Access Scams

Romance Scams

Messages from the ATO

Impersonation Scams

How you can expect us to communicate with you

We do send customer notifications via email and these messages can often contain links. These links will take you to a page on our website where you can find out more information before we ask you to login, apply for a product or download a brochure. It’s important to note you will not receive any links in SMS messages from us, prompting you to click on a link and confirm or update your information, except as part of the joint account application process.

If you’re ever unsure about an unexpected email or text from MyState Bank asking you to click on a link, please call us on 138 001 or send an email to to report it.

If you’re ever unsure about a link, check that the web address includes and a padlock symbol to show that it’s secure. Alternatively, type the MyState Bank web address directly into your browser.

We will never ask you to disclose your confidential PIN, Internet Banking password or phone banking access code over the phone, by email or in person.

What to do if you think you’ve been scammed

If you think you've fallen victim to a scam, during operating hours please call us immediately on 138 001 to speak with our Customer Care Team. Outside of operating hours, you have the following options:

  • Call our Fraud Bureau on 1300 705 750 if calling from Australia or +61 2 8299 9101 from overseas, operators are available 24/7.
  • If you're unable to contact the Fraud Bureau, or need to take immediate action, we recommend you disable your online banking access by entering the incorrect password three times. Changing your password will not be sufficient because you may be the victim of a remote access scam and not be aware.
  • Call us during operating hours to receive further guidance and regain access to your online banking.
  • You can also get in touch with your local police on 131 444 or report it to

If you disable your online banking (internet/ mobile banking) you will still be able to do the following:

  • Make transactions with your debit card
  • You can withdraw cash from an ATM
  • Your scheduled direct debits will keep going through
  • The account will receive incoming credits
  • You can use PayPal or your digital wallet

What you cannot do:

  • You cannot make BPAY payments
  • You cannot transfer funds between your accounts
  • Make an external transfer

To report a lost or stolen card call the 24/7 helpline at 1800 648 027 within Australia or +61 2 8299 9101 if calling from overseas.

More tips for keeping your money safe