Skip to main content

SMS scams

What are SMS scams?

Messages that might include a link to direct you to a fraudulent website or ask you for your personal information or from someone pretending to be a family member who needs money.

How to spot a scam

  • There is a sense of urgency or threat to the message – “your bank account is overdue! Pay now” “Your account has been suspended” and includes a link to make the payment which directs you to a fraudulent website.
  • You receive a message from a number you do not recognise claiming to be a family member and in need of money.

How to protect yourself

  • Don’t be pressured into taking action.
  • Don’t click on any hyperlinks or open attachments in an SMS.
  • Contact the family member on a number you have sourced directly.
  • We will never send you a message asking for your banking, personal information.
  • We will never send you a message asking you to click on a link to activate your account or gain access to special offers.
  • If you are unsure of a message you receive from Bendigo Bank, contact us directly or visit us in a branch.
  • Don’t click on any hyperlinks or open attachments in an SMS.

Mum SMS message scam

An indicator of this SMS scam is when you receive an SMS message sent from "Mum" or "Dad" asking for money to be transferred urgently.

The SMS scam messages may vary, however if you unexpectedly receive a message to send money to a family member, always call them on their trusted number (one you have previously spoken to them on) to confirm the message.

Scam alert message example - I'm at Woolworths and bought the wrong card with me. Can you please send me 150, I will pay you when I get home.  Followed by account details.
Scam alert message - Can you please send me 150? Brought the wrong card with me to the petrol station. Send it back to you tonight. Followed by account details.

Fake Bendigo Bank SMS messages

Bendigo Bank will never ask you to click on a link in an SMS text message to login to e-banking. Do not click on the link.

We are aware of a SMS phishing campaign targeting Bendigo Bank customers. The messages claim to be from Bendigo Bank and include a website link. The link leads to a fake Bendigo Bank website asking you to login to e-banking.

Example of SMS phishing message in August 2022.
Example of SMS phishing message in August 2022.
Example of SMS phishing message in August 2022.
Example of SMS phishing message in August 2022.

Sometimes an SMS alert is also sent prior to a ‘cold call scam’  that seemingly look like they are from Bendigo Bank.

This is achieved using another method known as ‘alpha tags’ to make messages appear in a thread of legitimate messages sent from us. Unfortunately, there is currently no feasible way to intervene or prevent this from occurring.

Examples of SMS being sent before cold call.  Message advised the customer will be called shortly.

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.

© Copyright 2024 Bendigo and Adelaide Bank