How to Avoid Getting Scammed by SMS in Australia

In recent years, Australia has seen a significant rise in SMS-based scams, often referred to as "smishing" (SMS phishing).

These scams use deceptive text messages to trick recipients into divulging personal information, downloading malware, or clicking on malicious links.

Examples of popular versions include:

Impersonating banks: sending SMS messages that warn of suspicious activity on your account or prompt you to verify account details. These messages often contain a link to a fake banking website that captures login credentials.

Australian Taxation Office (ATO): claiming you owe a debt or are eligible for a refund. The messages may request payment via unconventional methods like gift cards or ask for personal information to process the refund.

The Australian government, along with various organisations, is actively working to combat this issue, but it’s crucial for individuals to be vigilant and take proactive measures to protect themselves.

Understanding SMS Scams

SMS scams typically involve messages that appear to come from legitimate sources, such as banks, government agencies, or well-known companies. They may claim that there is an issue with your account, offer a prize, or ask for verification of personal information. The goal is to lure you into providing sensitive data or clicking on links that can compromise your device's security.

Government Actions Against SMS Scams

The Australian government, through agencies like the Australian Competition and Consumer Commission (ACCC) and the Australian Cyber Security Centre (ACSC), has been actively addressing the threat of SMS scams.

Some of the key initiatives include:

Educational Campaigns: The ACCC's Scamwatch provides regular updates and educational materials to inform the public about the latest scams and how to recognise them.
Legislation and Regulation: Laws have been enacted to impose stricter penalties on those who engage in fraudulent activities. The government also works with telecom companies to block known scam numbers and suspicious messages.
Partnerships with Industry: The government collaborates with financial institutions, telecom providers, and technology companies to enhance security measures and develop tools to detect and prevent scams.
Reporting and Response Mechanisms: Platforms like Scamwatch allow consumers to report scam attempts, helping authorities track trends and respond more effectively.

How to Reduce the Risk of SMS Scams

While the government and industry partners are working to curb SMS scams, individuals can take several steps to protect themselves:

Be Skeptical of Unsolicited Messages

If you receive an unexpected SMS claiming to be from a bank, government agency, or company, do not click on any links or provide personal information. Instead, contact the organisation directly using a verified phone number or website.

Verify the Sender

Even if the message seems legitimate, take a moment to verify the sender. Scammers often use spoofed numbers that look similar to those of real businesses.

Avoid Clicking on Links

Refrain from clicking on links in SMS messages unless you are certain they are safe. Instead, navigate to the website directly through your browser or app.

Use Security Software

Ensure your smartphone has up-to-date security software that can detect and block malicious content.

Report Scams

If you receive a suspicious SMS, report it to the relevant authorities, such as Scamwatch or your telecom provider. Reporting helps authorities take action and warn others.

Educate Yourself and Others

Stay informed about the latest scams and share this knowledge with friends and family. Awareness is a powerful tool in preventing scams.

Here are two effective ways to stay updated and knowledgeable:

Scamwatch Alerts: The Australian Competition and Consumer Commission (ACCC) operates Scamwatch, which provides alerts on the latest scams. Subscribing to their alerts can keep you informed about new and emerging threats.
Australian Cyber Security Centre (ACSC): The ACSC offers alerts and newsletters on cybersecurity threats, including SMS scams. They also provide advice on how to protect yourself online.

SMS scams are a growing concern in Australia, but by staying informed and vigilant, you can protect yourself from falling victim.

The Australian government is taking active steps to combat these scams, but individual awareness and action are crucial. Remember, if something seems too good to be true or feels off, it probably is.

Always double-check and report suspicious messages to keep yourself and others safe.