Fraud contact numbers

If you know you’re a victim of fraud or a scam, contact us on the below numbers 24 hours a day, seven days a week.

Personal banking

Within Australia: 13 22 65 and quote 'Fraud Assist'.

From overseas: +61 3 8641 9083

Business banking

Call 13 10 12 and quote 'Fraud Assist'.

Monday to Friday, 8:00am to 7:00pm (AEST/AEDT)
Saturday to Sunday, 9:00am to 6:00pm (AEST/AEDT)

Report a lost or stolen card immediately

If your card has been misplaced, lost or stolen, you should take immediate action to prevent fraud.

The best thing to do is to place a block on your card.

You can also call us 24 hours a day, seven days a week:

1800 033 103 (within Australia)

+61 3 8641 9121 (from overseas)

Check the latest fraud alerts

If you’re unsure if you’re a victim, see our latest fraud alerts and warnings and read about identifying fraud or scams below. 

What our fraud team does

Our fraud team monitors your cards and accounts for suspicious activity. We may take proactive action by blocking your card or freezing your account if we suspect suspicious activity.

Our fraud team will never ask you:

  • for your PIN, password or your full card or account numbers
  • for you to download an application on your phone or computer to “fix” a problem
  • for you to share your screen to look at your accounts.

Depending on your situation, our specialists will help guide you on the process. If you need, you can get a copy of a statutory declaration from the Attorney-General’s Department, opens in new window.

Tips to help identify fraud or scams

Your accounts can be compromised a number of ways. That’s why it pays to know what to look out for when assessing your accounts or cards for fraud or a scam. Read more about common types of fraud and scams. 

Unrecognised and unauthorised transactions

Ever noticed a transaction on your account that seemed out of place? It could be fraudulent.

If we detect any suspicious transactions on your accounts, we’ll contact you via a phone call or SMS. The SMS will only ever appear from the number +61 438 357 801 or +61 447 153 051.

If you receive an automated SMS from NAB on the above numbers asking you to confirm a recent transaction, please respond:

  • ‘1’ if you have authorised the transaction and we will automatically remove the block on your card
  • ‘0’ if you did not authorise the transaction and one of our fraud specialists will call you shortly after (from a different number).

If the original transaction was declined but you have since authorised it via SMS using the steps above, you will need to re-attempt.

Ensure you update your contact details and notify us if you are travelling overseas to help prevent any inconveniences or delays.

If you don’t believe a transaction is fraud, but is incorrect, you can dispute the transaction with us.

Phishing messages

Phishing (pronounced fishing) emails or texts look like real messages from businesses you use, like NAB. The messages are designed to trick you into providing personal information that criminals can use to scam or defraud you.

If you click on a link from a phishing text or email, but don’t enter any details, then you are safe from the scam. Delete the message from your phone or computer immediately.

Likewise, criminals may call you impersonating a business that you might use and try to get you to reveal personal information.

Common scams

Scams vary from simple tricks to sophisticated set-ups. But no matter how a scam is carried out, they are all designed to achieve one thing: stealing your money.

Purchasing scams

Purchasing scams happen in person, and online in places such as eBay, Gumtree, Facebook Marketplace and Carsales. They can happen during the buying or selling of an item online, where the item or the mystery buyer might not exist at all.

Learn more about purchasing scams.

Investment scams

Investment scams try to convince you to invest in fake schemes and companies. This can happen via in-person or online and over the phone via a "stockbroker" or investment seminars.

Find out how to avoid investment scams.

Fund recovery scams

Fund recovery scams target people who have already lost money to a scam. Criminals contact victims promising to be able to help them recover the lost money for a fee. But they just take the money and run again.

Read more about fund recovery scams.

Payment scams

Payment scams target businesses using their available payment methods. The scam can vary in its method, from a terminal takeover to ‘card not present’ trick, but all aim to steal money via your point-of-sale.

Learn how to protect your business from payment scams

If you think any of these scams have just happened to you, contact us immediately.

Cybersecurity hub

To help protect yourself or your business from cyber threats, fraud and scams we’ve created a resource hub with helpful articles, training, guides and toolkits.

Other helpful resources

  • The Australian Cyber Security Centre (ACSC), opens in new window brings cyber security capabilities from across the Australian Government together in a single location. It’s the hub for private and public sector collaboration and information sharing to combat cyber security threats. ACSC provides topical, relevant and timely information on how home internet users and small businesses can protect themselves from, and reduce the risk of, cyber security threats such as software vulnerabilities, online scams, malicious activities and risky online behaviours.

  • ReportCyber, opens in new window is a secure reporting and referral service for cybercrime and online incidents which may be in breach of Australian law. The ReportCyber website provides a cybercrime reporting mechanism as well as helpful information about cybercrime.

  • Run by the Australian Competition and Consumer Commission (ACCC), opens in new window. It provides information to consumers and small businesses about how to recognise, avoid and report scams.

  • If you’ve been a victim of identity theft, IDCare, opens in new window can help. This dedicated, not-for-profit organisation provides specialised support and guidance for protecting your identity from further theft or misuse. The service is free of charge, and tailored to your individual situation.

    Phone: 1800 595 160

Important information