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Fraud knowledge hub

What is fraud and how is it different to a scam?

The terms 'fraud’ and ‘scam’ are often used in a similar context and interchangeably, although there are subtle differences. Generally a scam happens with some unwitting involvement from the person being scammed. For example, somebody gains your confidence in order to steal your information or money.

In contrast, fraud is suspicious activity generally occurring without the knowledge of the person (or business) being targeted. Protecting your personal information and devices are two key ways to help protect yourself from fraud.

Cheque fraud

Not many people use cheques these days, but cheque fraud is still prevalent.

Consider the following tips to help reduce cheque fraud:

  • Keep your chequebook in a safe and secure place.
  • Never pre-sign cheques.
  • When mailing cheques, cross the cheque 'Not Negotiable' and send it in a plain envelope without a window.
  • Use a pen or felt tip pen to write on your cheques, never pencil.
  • Bank Cheques should not be considered as good as cash.
  • Don't accept cheques in excess of the agreed price where you are asked to transfer/deposit the balance to a specific account.

For more information on cheque fraud visit the Australia Competition and Consumer Commission's Scam Watch website.

Keeping your identity safe

Identity theft is a type of fraud that involves stealing money or gaining other benefits by pretending to be someone else. Learn how you can protect yourself with Bendigo Bank.

Keeping your devices secure

Learn how to keep your device(s) secure and what to do if your device is ever lost, stolen, broken, or replaced.

Shopping securely online

Secure your online shopping. Mastercard Identity Check, Visa Secure and EFTPOS Secure are free services that protect your card against unauthorised transactions, giving you confidence when shopping online with your Bendigo Bank debit or credit card.

3 steps to remember

  • Stop - don't give money or personal information to anyone if you're unsure.
  • Think - ask yourself, could the message or call be a fake?
  • Protect - act quickly if something feels wrong.

Learn how to protect yourself

How to keep your online banking safe

Here are five ways to protect your online banking information.

8 ways to protect your privacy online

Eight top tips to help to protect you and your family online.

4 ways to use card controls

Here are four ways to use card controls in your everyday life.

If you need help or more information


If you have clicked on any suspicious links and entered your e-banking details:

Call 1300 236 344 (in Australia) or +61 3 5445 0666 (from overseas - standard international call charges apply)

Monday to Friday - 8am to 9pm AEST/AEDT*
Weekends (Saturday and Sunday) and some public holidays - 9am to 8pm AEST/AEDT

*Excludes Christmas Day


If you have received a suspicious SMS message claiming to be from us, you can forward it to 0429 557 997 for investigation. 

Please note you will not receive a personal response from 0429 557 997.


If you have received any suspicious emails, you can forward them to us via email. 

Please note you will not receive a personal email response from us.

Bendigo and Adelaide Bank acknowledges Aboriginal and Torres Strait Islander peoples as the First Peoples of this nation and the Traditional Custodians of the land where we live, learn and work. We pay our respects to Elders past and present as it is their knowledge and experience that holds the key to the success of future generations.

Bendigo and Adelaide Bank Limited, ABN 11 068 049 178 AFSL / Australian Credit Licence 237879. Any advice provided on this website is of a general nature only and does not take into account your personal needs, objectives and financial circumstances. You should consider whether it is appropriate for your situation. Please read the applicable Disclosure Documents before acquiring any product described on this website. Please also review our Financial Services Guide (FSG) before accessing information on this website. Information on this page can change without notice to you.

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