Scammers aren’t just pesky – they’re increasingly sophisticated, organised criminals who specifically target seniors. Why? Because older people often have superannuation, home equity and strong credit histories. And unlike a dodgy bloke selling steaks out the back of a van, modern scammers can strike from anywhere in the world with just a phone number or email address.
Thankfully, there are practical ways to stay one step ahead – and protect your money, identity and peace of mind.
Recognise the Most Common Scams
Understanding how scammers operate is the first line of defence. The most common scams affecting Australians over 60 include:
- Phone impersonation scams, where callers claim to be from the ATO, Medicare, Centrelink, Telstra or your bank.
- Text message and delivery scams that request a small fee to release a package.
- Government rebate scams offering cost-of-living payments in exchange for personal details.
- Romance scams, where scammers build a false emotional connection.
- Tech support scams, pressuring you to give remote access to your devices.
If an unexpected caller or message requests money or personal information, treat it with
suspicion.
Don’t Share Information Under Pressure
Legitimate organisations will not:
- Demand immediate payment
- Ask for passwords, PINs or two-factor authentication codes
- Pressure you to move money to a different account for “security”
- Threaten arrest or legal action if you don’t comply
If a caller creates urgency or fear, hang up immediately and contact the organisation using a phone number from its official website or printed correspondence.
Strengthen Your Digital Security
Simple device and password habits can make a major difference. These include:
- Turning on multi-factor authentication for online banking and email
- Using strong, unique passwords rather than names or birthdays
- Updating software on phones, tablets and computers
- Avoiding links in unexpected emails or text messages
If an email or link looks unusual, assume it is unsafe.
Be Cautious with Payments
Scammers often request payments that are difficult to trace. Any request to pay with gift cards, cryptocurrency or bank transfers to unknown recipients is a strong warning sign. Take your time, double-check the request and speak to a trusted family member or friend before transferring money.
Report Concerns Immediately
If you suspect you have been targeted:
- Contact your bank as soon as possible
- Report the incident to Scamwatch or ReportCyber
- Seek support to help recover any financial loss or emotional distress
Reporting scams helps ensure others do not become victims.
Images: Shutterstock
