In 2025, Australians are more connected than ever—smartphones, smart homes, digital wallets, AI assistants, and online banking are deeply integrated into daily life. While this digital evolution offers convenience, it also opens doors to increasingly sophisticated scams.
From AI-powered phishing attacks to deepfake impersonations, cybercriminals have leveled up. The Australian Competition and Consumer Commission (ACCC) reports that scams cost Australians over $5 billion in 2024 alone, and early 2025 data suggests that number will rise.
In this article, we’ll explore the top online scams in Australia right now, how to recognize them, and most importantly—how to protect yourself.
1. AI-Powered Phishing Scams
The Scam:
Phishing isn’t new, but in 2025, it's no longer riddled with spelling errors or poorly formatted emails. Thanks to AI, scammers craft incredibly realistic emails and SMS messages that look like they're from your bank, government agencies, or popular platforms like MyGov, ATO, or even Netflix.
Some even use voice AI to call victims using cloned voices of known contacts or company representatives.
How to Stay Safe:
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Never click on links in unsolicited messages or emails.
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Always go directly to the official website or app.
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Set up two-factor authentication (2FA) on all accounts.
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Be skeptical of any urgent or emotional request.
2. Investment and Crypto Scams
The Scam:
Scammers lure victims with promises of high returns through fake investment platforms, often promoted through social media ads or influencer endorsements (sometimes even deepfaked). Many target Australians looking to invest in crypto, AI stocks, or “green energy projects.”
These platforms may seem legitimate at first but are designed to steal your money once you deposit funds.
Warning Signs:
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Guaranteed returns or “risk-free” investments.
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Pressure to act quickly or invest more.
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Difficulties withdrawing funds or constant delays.
How to Stay Safe:
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Research companies on ASIC’s register.
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Be wary of platforms not based in Australia.
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Avoid sharing banking or crypto wallet details with unknown parties.
3. Deepfake Identity Scams
The Scam:
One of the more alarming trends in 2025 is the use of deepfake technology to impersonate real people. Scammers may video call you pretending to be a family member, a colleague, or even a public figure—asking for urgent help, passwords, or money.
These scams are emotionally manipulative and difficult to detect in the moment.
How to Stay Safe:
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Set up code words with loved ones for emergencies.
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Verify requests through another communication channel.
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Avoid sending sensitive data over video calls unless verified.
4. Online Marketplace and Rental Scams
The Scam:
As online shopping and rentals grow, so do scams on platforms like Gumtree, Facebook Marketplace, and even real estate websites. Fraudsters post fake listings, collect deposits, and vanish.
In 2025, scammers are using stolen IDs and AI-generated reviews to seem trustworthy.
Red Flags:
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Seller refuses in-person inspection.
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Asks for payment via gift cards, wire transfer, or cryptocurrency.
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Price seems “too good to be true.”
How to Stay Safe:
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Always inspect items or properties in person.
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Use secure, traceable payment methods.
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Be cautious with sellers who rush the transaction.
5. Romance & Dating App Scams
The Scam:
In 2025, romance scams remain a heartbreaking and financially devastating form of fraud. Scammers use dating apps or social media to build emotional connections over weeks or months before requesting money, often citing emergencies or travel issues.
AI-generated profiles and stolen photos make these personas incredibly convincing.
How to Stay Safe:
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Be skeptical of anyone who asks for money online—especially early on.
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Never send financial details or intimate photos.
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Report suspicious profiles to the platform immediately.
6. Fake Tech Support and Remote Access Scams
The Scam:
Scammers pretend to be from companies like Telstra, Microsoft, or NBN, claiming your computer or network has been compromised. They’ll guide you to install software like TeamViewer or AnyDesk—giving them full control of your device.
Once in, they can steal passwords, install malware, or lock your device for ransom.
How to Stay Safe:
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Legitimate companies will never ask for remote access unsolicited.
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Hang up and call the official company number to confirm.
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Use antivirus software and regularly update your systems.
7. Superannuation & Government Payment Scams
The Scam:
With MyGov and superannuation accounts being prime targets, scammers send emails or texts that mimic the ATO, Centrelink, or super funds. Their goal? Steal your identity or access your financial records.
Some even create fake tax return websites that look almost identical to the real ATO site.
How to Stay Safe:
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Access MyGov and ATO accounts only through official websites.
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Never share your TFN, Medicare number, or super details with anyone over phone/email.
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Enable alerts for logins and account changes.
How to Report a Scam in Australia (2025)
If you think you've been scammed or encountered a suspicious message, report it immediately. This helps protect others and allows authorities to track trends.
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Scamwatch (ACCC): www.scamwatch.gov.au
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ReportCyber (AFP): www.cyber.gov.au
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IDCARE (for identity theft): www.idcare.org
Save these contacts and share them with friends and family—awareness is your best defense.
General Cyber Safety Tips for 2025
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Use strong, unique passwords for every account. Consider a password manager.
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Enable two-factor authentication (2FA) wherever possible.
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Update your software and devices regularly.
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Limit personal info shared on social media—scammers use it to build profiles.
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Educate older relatives and young users, who are common targets.
Conclusion: Awareness Is Your Best Weapon
In 2025, scams are more polished, more convincing, and more targeted than ever before. The days of easily spotted fraud are over—today’s scams are high-tech, AI-driven, and emotionally manipulative.
But with the right knowledge and tools, you can stay ahead.
Be cautious. Be skeptical. And above all, stay informed.
Have you spotted a new scam in Australia this year? Share your experience in the comments to help others stay alert.
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