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PayID scams

What are PayID scams?

This is where scammers using fake or compromised social media profiles exert pressure to buy online items using PayID. They post classified ads that look legitimate for items such as pets, cars and bikes, with detailed information, enticing photos and attractive prices.

The scammer may also send a fake email appearing to originate from ‘PayID’ or ‘PayPal’ as ‘evidence’ of the payment, further pressuring the seller into ‘reimbursing’ them.

What to look out for

  • Sellers claim the payment was never received. – they will then ask you to send funds to be able to get your details.
  • Sellers claim the transaction couldn’t be completed because you don’t have a PayID ‘business account’.
  • The seller asks you to make additional payments to expand the limit. This amount, plus the initial purchase amount, will then be credited back to the seller.

How to protect yourself

  • You will never need to send money first to receive a payment via PayID.
  • You will never need to take any additional action before you receive money into a bank account.
  • You will never receive communication from PayID via email, text or messenger.
  • There is no such thing as a PayID business account, account upgrade or unblock option.

Let us know ASAP if you think you have been the victim of a scam

Things to remember

  • Never provide your 6-digit e-banking security code to anyone - in person, over the phone or online even if they claim to work for your bank and have personal information about you.
  • Never provide a caller with remote access to your computer.
  • We will never ask you for your e-banking PIN, e-banking password or 6-digit e-banking security code.
  • We will never ask you to login to e-banking via a link sent in an SMS or sent in an email.
  • We may call from time to time and ask to verify your identity by asking for your verbal password. However, we will never ask you for any PIN, password or security code relating to your e-banking. If you feel uncomfortable, you can always verify our branch contact details on our website and call us back.
View other types of scams

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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