As the months tick by, the signs of fraud are everywhere, with people offering to pay for anything from a new laptop to a new home.
But for those looking for a legitimate solution, there’s one that’s easy to spot – the person asking for money to “pay for stuff”.
For many, the scammer’s demand is clear: to “make” money.
What can you do to protect yourself?
Read moreThe scammers typically send emails claiming to be from a company, such as a bank or a credit card company, offering to cover the cost of the purchase.
But when you read the email and click the “agree” button, you’ll get an email from a different email address.
You’ll see that the scammers have the same username and password.
The email is also accompanied by a link to an external website, which has been taken down.
If you click on that link, you can see that it redirects you to a fake website which promises to provide a payment to someone in the UK.
It’s not the first time this has happened.
In 2014, Australian banks said they were taking action against a number of scam email accounts.
But this time around, they were only able to track down the scam via a referral from the FBI.
“I was surprised by the number of scams I’ve seen in the past,” said Rob Evans, an associate professor of cyber law at Sydney University.
“It’s really, really rare.
And if you don’t know where it came from, it’s not worth it.”
Mr Evans said he wasn’t surprised that the Australian Banking Commission (ABS) didn’t act immediately.
“They were a bit concerned, because if they were going to do anything, it was likely they’d be able to catch it,” he said.
“But I think they took a wait and see approach, and it’s probably because they didn’t have a clue who was doing this.”
The big issue is it’s easy for someone to create an account and send an email to someone, but that’s just asking for trouble.
“You can’t do much to stop that from happening.”
A fraudster using a scam email address to send a bogus paymentHow to protect your accountThe scammer is often using an email address that looks exactly like one that a bank would use.
“That can be difficult for police to trace,” Mr Evans said.
“The scumbag uses that email to send the emails.
They’ll just look for the email address and they’ll do it.”
If you can’t get a bank account to send an invoice, or an email, or get a legitimate business to pay, that’s a pretty easy way for them to get their money.
“Once you’re notified, call Crime Stoppers on 1800 333 000.