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Security and Scams

Cyber crime is a serious problem that affects both personal and business clients.

If you need assistance or notice unusual activity on your account, contact us immediately.

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What is a scam?

Scams come in many forms, but they typically involve someone trying to deceive you into giving them money or something of value. Scammers are always looking for new ways to exploit and target victims.

Report a scam

If you suspect you have been the victim of a scam, your accounts have been exposed to a scam, or would like to report unusual behaviour, contact us immediately.

Common Scams

Invoice scams typically involve scammers gaining access to a business’s email account and altering payment details on invoices which are then sent to clients. The invoices are then paid into the scammers account instead of the businesses.

Another version of this scam involves scammers impersonating someone (usually senior) within a business and asking a colleague to transfer a payment to an account which the scammer has set up (usually via domestic or overseas wire transfer).

It is important to remain vigilant especially if you receive a suspicious email or if payment instructions change. For more information on how to protect yourself from these scams, please visit: https://netsafe.org.nz/fake-invoice-scam/

Tech support scams typically involve scammers contacting victims pretending to be from businesses such as tech companies, telecommunications or internet services providers. They will usually try to get you to install software on your computers, mobile phone or other electronic device, which will give them to access to your accounts.

For more information on how to protect yourself from these scams, visit: https://netsafe.org.nz/tech-support-scam/

Investment scams typically involve scammers contacting victims, by phone, SMS, email, social media or scam websites, with fake investment opportunities.

Be wary of investment opportunities that seem too good to be true. For more information on how to protect yourself from these scams, visit: https://www.fma.govt.nz/library/articles/how-to-spot-an-investment-scam/

Online shopping scams involve scammers setting up fake websites or social media pages offering non-existent or fake goods on social media pages. The goods are often advertised at reduced prices to entice victims.

For more information on how to protect yourself from these scams, visit: https://netsafe.org.nz/online-shopping/

Relationship or "Romance scams" often involve scammers using dating websites, email, SMS, Facebook, WhatsApp, Messenger apps or social media to contact unsuspecting victims.

Once contact is made, scammers will use various techniques to try and gain the victim's trust over a period of time before they eventually start asking for money. Often this will involve a sudden emergency where they need funds sent to them because they are stuck somewhere or need help paying a bill. Some of the more common stories used by scammers are:


  • The scammer is in the military overseas and needs money for living expenses, to secure his/her release, or to pay for projects etc.
  • The scammer is overseas and is involved in an antiques, gold, art or gemstones business and needs money to get the goods out of the country.
  • The scammer needs money for airfares to visit the victim.
    • The scammer is overseas finalising a late relative's estate and requires funds to assist with funeral expenses or other costs.
    • The scammer is stuck overseas and needs money urgently.


For more information on how to protect yourself from these scams, visit: https://netsafe.org.nz/romance-scams/

Prize and lottery scams typically involve scammers sending emails, SMS messages, social media messages, or letters to victims, advising that they have won a lottery, sweepstake, prize or award etc. that they never entered, or had any knowledge of.

Victims are usually told that in order to collect their winnings, they will be required to make an up-front payment for various reasons, including taxes, stamp duty, insurance costs, courier charges, bank fees etc.


  • Be wary of messages regarding competitions or lotteries that you have not entered.
  • Prize winners are not usually required to pay fees or taxes in order to receive their prize.
  • Conducting your own internet research will often highlight common lottery and other prize related scams.


For more information on how to protect yourself from these scams, visit: https://netsafe.org.nz/prizescam/

Email and text message scams typically involve scammers trying to steal your personal information. This is known as ‘phishing’. Scammers will often send you a link to a fake website which looks genuine. Once on the website, the scammers will ask you to enter account details, which they can then steal.

For more information on how to protect yourself from these scams, visit: https://netsafe.org.nz/phishing/

You've Been Scammed by Nigel Latta

Rabobank is proud to support TVNZ's You've Been Scammed by Nigel Latta. The series deep dives into the world of scams giving viewers an insight into how to keep safe.

Rabobank Scam Fake Email - 1

Specific scams affecting Rabobank NZ


A fake investment prospectus referring to investment opportunities in the Cook Islands is currently being circulated by scammers pretending to be Rabobank. These scammers may be impersonating Rabobank employees in correspondence with victims. This is a scam. Rabobank New Zealand is not offering such a product.

If you receive a copy of this prospectus or similar, you should immediately cease communication and report it to us at fraudnz@rabobank.com. If you suspect your account has been compromised, contact us immediately.

For more information on how to identify investment scams, please visit: https://www.fma.govt.nz/library/articles/how-to-spot-an-investment-scam/

Actions you should take if you think you've been scammed 

  1. Contact us immediately: If you suspect you have been the victim of a scam, your accounts have been exposed to a scam, or would like to report unusual behaviour, please contact us immediately.
  2. Change your passwords and have your devices checked: Change your passwords for all your accounts. If a scammer has had access to your computer or mobile device, take it to a professional to have it professionally cleaned.
  3. Report it:  To help authorities stop scams, you can:
  • Report scams to Netsafe
  • Report cybersecurity issues to CERT NZ
  • Report text message scams for free by forwarding them to the Department of Internal Affairs on 7726
  • Report criminal offences relating to scams and fraud to the Police by calling 105 or via the 105 website
  • Report investment scams to The Financial Markets Authority