Public protection

Pause before money or information changes hands.

Scams and frauds use urgency, trust and convincing stories to obtain money or personal information. Slow down, verify the request independently and act quickly if something has already been shared or paid.

Stop. Check. Report.

Stop

Pause before clicking a link, sharing information or sending money. Do not let urgency or pressure make the decision for you.

Check

Verify the person, organisation and payment details using an official website or a trusted phone number—not the details in the message.

Report

If you may have been targeted, preserve the messages and report it. If money was sent, contact your bank and the Police immediately.

Messages, links and payments

Practical checks before you click, share information or send money.

Scammers may impersonate banks, government agencies, businesses, colleagues or people you know. A familiar name, logo or caller ID is not proof that a request is genuine.

Verify the sender or caller

Check the full email address, phone number and account name. Be cautious when contact is unexpected, even if the display name looks familiar.

Avoid unexpected links and attachments

Do not open a link or attachment you were not expecting. Hover over links to inspect them, but remember that convincing look-alike addresses can still be fraudulent.

Use official contact details

Go directly to the organisation’s official website or call a publicly listed number. Do not use the contact details supplied in a suspicious message.

Protect passwords and security codes

Never provide passwords, PINs, card security codes or one-time verification codes in response to an unexpected call, email, text or social-media message.

Confirm changes to payment details

Verify new or changed bank-account details by speaking with the intended recipient on a trusted number, especially before unusual or high-value payments.

Do not allow unexpected remote access

Never install software or give a caller control of your phone or computer unless you independently requested support from a trusted provider.

Common warning signs

Be especially cautious when several of these appear together.

Scams take many forms, but the methods used to create pressure, obtain information and direct payments are often similar.

01

Unexpected contact

Someone contacts you first with an opportunity, problem or request for money or sensitive information.

02

Pressure, urgency or secrecy

You are told to act immediately, keep the arrangement secret or avoid checking with someone you trust.

03

Requests for sensitive information

Someone asks for passwords, PINs, card details, identification documents, login credentials or verification codes.

04

Guaranteed returns or rewards

An investment, prize, loan or opportunity promises unusually high returns with little or no risk.

05

Pay first or use an unusual method

Fees or taxes must be paid before a reward is released, or payment is requested through cryptocurrency, gift cards, personal accounts or money-transfer services.

06

Suspicious digital clues

Look-alike websites, unexpected attachments, generic email addresses, unusual wording or spelling mistakes can indicate impersonation or phishing.

Latest Scam Updates

Stay informed about emerging scam threats, recent research and developments in scam prevention.

Trusted resources

Find further information about scams and online safety.

Use reputable local, regional and international sources for current advice about scam types, cyber safety and protecting your personal and financial information.

Cook Islands guidance

Cyber Safety Cook Islands

Local information and practical guidance on scams, cyber security, online safety and protecting yourself and your community.

Regional guidance

New Zealand Consumer Protection

Scamwatch information explaining common scam types, warning signs and steps you can take if you have been affected.

International guidance

Federal Bureau of Investigation

Information about common fraud schemes, online crime and practical measures for protecting yourself.

International guidance

Global Anti-Scam Alliance

Global information, research and practical guidance to help individuals and organisations recognise, prevent and respond to scams.