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How to better spot a fake text message that could cost you

From dodgy delivery text messages to fake emails from your bank, phishing scams are getting sneakier. Here’s help on how to stay one click ahead.

  • Phishing scams often look like messages from trusted companies.
  • Clicking links in emails or fake text messages can lead to fake sites that steal your personal information.
  • Always visit websites directly and never rush to respond to urgent-sounding messages.

You’ve likely received one before: a text from a delivery service saying your parcel couldn’t be delivered. An email from “your bank” asking you to verify your login. Even a message claiming your concert tickets need urgent confirmation.

Welcome to phishing, the scams that don’t rely on hacking. Instead, one misplaced click may be all that’s required for these ploys to succeed. “Phishing is when scammers send messages pretending to be a company you trust,” says James Roberts, CommBank scams and fraud expert. “They’ll use real-looking logos and urgent language to trick you into clicking a fake link and handing over personal details.”

While many of us have learnt to ignore the old-school text message scams (classics include “Mum, I need money” and “Your toll payment is overdue”), phishing has evolved. Some recent examples use fake subscription renewal alerts for services like streaming platforms or mimic two-factor authentication codes from your bank, causing panic that leads to impulsive clicks.

Once you enter your details on one of these fake websites, scammers can drain your account in minutes. To avoid it, follow the stop, check, reject approach: “Stop and breathe. Legitimate companies won’t pressure you to act immediately by clicking a link. Check the source by going directly to the company’s app or website. And reject anything that feels off,” says James.

Worried you’ve clicked something you shouldn’t have? Visit CommBank Safe to learn more.

To learn more about keeping your finances secure, stream The Brighter Side on 10.

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Published: 15 December 2025

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This article provides general information of an educational nature only. It does not have regard to the financial situation or needs of any reader and must not be relied upon as personal financial product advice. The views expressed by contributors are their own and don’t necessarily reflect the views of CBA. As the information has been provided without considering your objectives, financial situation or needs, you should, before acting on this information, consider what is appropriate for your circumstances, and where appropriate, consider the relevant Target Market Determination, Product Disclosure Statement and Terms and Conditions available on our website. You should also consider whether seeking independent professional legal, tax and financial advice is necessary. Every effort has been taken to ensure the information was correct as at the time of publishing but it may be subject to change. No part of the editorial contents may be reproduced or copied in any form without the prior permission and acknowledgement of CBA.