Customer shares the impact of being scammed



Sophisticated. Traumatic. Upsetting. That’s how NAB customer Chloe* describes being the victim of a spoofing scam.

Sunshine Coast cleaner and mum Chloe is sharing her story to help other Australians see through scams.

Like millions of other Aussies, Chloe received a text message from criminals which looked to be from a legitimate company, in this case NAB, claiming a payment had been paused and asking her to call a phone number to verify it.

Chloe said she called the number via a link in the text message and spoke to a man who claimed he was from NAB’s fraud team.

“He was very convincing, and I believed I was speaking to the real deal,” she said.

“I ended up handing over my NAB ID and security codes which he said he needed to access my account to reset my daily limit and stop the funds from leaving my account. It was actually the opposite.

“While I was on the phone, NAB’s genuine fraud and scam team was trying to contact me.

“When they got on to me the penny dropped – I was now speaking with the real NAB team. I had been scammed and the funds had left the account.”

While Chloe knows she was one of the lucky ones whose money was recovered, she welcomed NAB’s new campaign to help customers see through scams.

It comes after NAB took action recently to help stop spoofing – also known as impersonation – scams.

“It’s good to see NAB doing more to protect customers and I think anything organisations can do to stop scams will benefit the community,” Chloe said.

“Scammers play sophisticated psychological tricks to fool you, and this has been a very traumatic ordeal.

“Question every unsolicited approach and read every letter before making the choice to respond or call.”

NAB Executive, Retail Krissie Jones said more than a third of Australians had been a victim of a cyber-attack or scam, losing, on average, $569.

“According to our research commissioned for our see through scams campaign, women lost, on average, significantly more ($921) than men ($375),” Ms Jones said.

“While one in three Aussies were “very concerned” about scams and cyber-attacks, only 10 per cent believed they had “very good cyber” safety knowledge.

“Women over 50 years old appeared most vulnerable to a cyber-attack, with 30% reporting “poor” or “very poor” knowledge of cybersecurity. About a quarter of men over 65 were also at risk, due to “poor” or “very poor” knowledge.”

Ms Jones said Chloe’s story and the NAB Economics research highlights the distressing impacts scams can have.

“Feeling anxious, fearful, stressed or frustrated topped the list when Australians were asked about the biggest impact aside from money,” she said.

“Our new campaign is designed to help Australians see through scams. Individual customers have a key role to play protecting themselves.

“Being educated and aware of the latest scams, what to look for and how to report them is critical to stopping the crime before it happens.

“Contact your bank immediately if you’ve been scammed. We’re here to help.”

Further information



Customers, banking & finance


Media Enquiries

For all media enquiries, please contact the NAB Media Line on 03 7035 5015

Related Articles

  • Technology

How Digital ID can help keep your private data safe

Learn how Digital ID technology can help can help keep your private data safe by providing a simple method for identification.

  • 14.05.2024
  • Time to read 1 min read
  • Media Release

Big savings plans for tax cut cash

Australians are planning to save – rather than splurge – extra money from their stage 3 tax cut

  • 10.05.2024
  • Time to read 2 min read
  • Personal finance

How to save money on subscriptions

The NAB spending app can help you manage your spend on subscriptions, budget and build better money habits.

  • 08.05.2024
  • Time to read 3 min read

Quick links

Business Research and Insights

For more business news and analysis, visit NAB’s Business Research and Insights .

NAB Security Podcast

For more insights about cyber security and fraud, and practical tips on how to stay safe, listen in to NAB’s Security Podcast series.

NAB tech blog

For more insights about technology and the digital developments enabling change for customers, visit the NAB tech blog on Medium.