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Advice for people caught in a scam and information about who can help.

Follow these steps if you have been caught in a scam.

What to do now

A circle icon with an @ symbol in the middle being caught by a pink fishing hook.

Stop all contact with the scammer

Once you realise you are being scammed, do not continue the conversation. Hang up the phone. Don’t reply to emails or letters scammers have sent you. If you have been scammed online, block the scammer from contacting you.

Do not make any more payments

It can be tempting to stay involved in the hope you will get some of your money back. You must not make any more payments. Some scammers target people caught in recent scams, eg by pretending to be an overseas enforcement agency that can return all of your money for a fee. Don’t give money to anyone on the promise they will get your lost money back. Unfortunately, if you have paid scammers, the chances of recovering your money are not good.

Contact the bank or service you sent money through

If you are the victim of a financial scam, credit card scam or identity theft, contact your bank immediately. They will have a policy in place to deal with fraud. If you have sent money through another bank or transfer service, it’s a good idea to contact the service you used.

Report the scam

Reporting is an important step. It puts you in touch with someone who can give advice specific to your situation. It also helps other people avoid this kind of scam. Report the scam to Netsafe on 0508 NETSAFE (638723) or use this form:

Report harmful content(external link) — Netsafe

Netsafe advises on all scams — not just online activity. If you or someone else is in danger, or a crime is being committed, call 111.

What to do later

Assess your security at home and online

If your personal or financial information has been given out or stolen in a scam, change all of your online passwords on a device not linked to the scam. Use a different password for each account. If your computer or phone has been hacked in a scam, take it to an authorised technician to be cleaned.

CERT NZ are experts in cyber security. See their website for tips on simple ways to improve your cyber safety.

Protect your information online(external link) — CERT NZ

Equip yourself to recognise scams

Anyone can be caught unaware by a scam. Take time to learn about the approaches scammers use and how you can protect yourself.

Talk about what happened

Telling your friends and family about the scam is one of the best ways to take action. It can be hard, but sharing your story is worthwhile because scammers rely on people being secretive. Every person you talk to will be better prepared to avoid scams in the future.

Help is available

It is almost impossible to recover lost money unless a scam has local connections, but advice is available.

List of organisations with specialist knowledge you might find helpful:


Helps New Zealanders stay safe online, with expertise in online bullying, harassment and abuse under the Harmful Digital Communications Act and all types of scams.

Scams(external link)  — Netsafe

Ministry of Justice

Provides information on the Harmful Digital Communications Act including the provisions of the Act and Safe Harbour provisions.

Harmful digital communications(external link) — Ministry of Justice


Supports individuals and organisations affected by online incidents, such as online scams or cyber security incidents. Helps people recognise and avoid online scams and fraud.

Responding to cyber threats in NZ(external link) — Cert NZ

NZ Police

Liaises with overseas agencies. Prevents, investigates and prosecutes crime within our communities.

In an emergency, call 111.

Contact us(external link)  — NZ Police

Victim Support

24/7 support, information, and advice for victims of crime.

0800 842 846

Contact us(external link) — Victim Support

Banking Ombudsman

Helps resolve and prevent banking problems, including scam-related issues.

Contact us(external link) — Banking Ombudsman

Commission for Financial Capability

Support and education for helping kiwis get savvy on scams.

Contact us(external link) — Commission for Financial Capability

Financial Markets Authority

Takes investment scam reports. Provides a warnings list and information on how to avoid scams.

Contact us(external link) — Financial Markets Authority

Department of Internal Affairs

Regulates the Unsolicited Electronic Messages Act 2007, which prohibits the sending of spam.

Spam(external link) — Department of Internal Affairs

The Commerce Commission

Enforces the Fair Trading Act, which prohibits misleading conduct and unfair selling practices by those 'in trade' in New Zealand.

How the commission helps(external link) — Commerce Commission

Serious Fraud Office

Investigates and prosecutes serious financial crime, including bribery and corruption.

Report a fraud(external link) — Serious Fraud Office

Privacy Commissioner

If your privacy has been breached you can make complaints the Office of the Privacy Commissioner about breaches of the Privacy Act.

Privacy Act

District Court

This is the largest court in the country and deals with many of the legal issues affecting New Zealanders. The District Court deals with claims more than $15,000 (the limit for the Disputes Tribunal), up to $350,000.

Civil Court(external link) — District Court

Is this a scam?

How to avoid scams