Suspicious emails and phone calls

Learn how to spot a fraudulent email or phone call, so you’re not reeled in.

What is phishing, vishing and smishing?

It’s all too easy to get caught out by email. Before you know it, you’ve shared your personal information or opened an attachment that contains malware; this is known as phishing. Vishing is when fraudsters try to extract personal details directly by phone, using social engineering techniques. Smishing is when a fraudster tries to trick you into providing personal or account information via text or SMS message (this can include texting you links to fraudulent sites or phone numbers to fake call centres).  

Spotting and avoiding suspicious emails and phone calls

It's not always clear you're being targeted. Trust your instincts. If something doesn’t feel right, take your time and don’t rush into providing any personal details or sending monies. It’s okay to hang up the phone, ignore emails and to obtain information by researching trusted sources.


Any message that says ‘Reply Now’ to avoid losing money, have your account deleted or access cut-off are designed to panic you. Stop. Take your time. Investigate.

Unexpected phone calls or emails

Don’t trust unexpected emails or cold call phone calls when trying to get you to reveal personal information or hand over money. Be suspicious and challenge.

Requests for personal information and passwords

Never confirm your password or login details via email or over the phone. If in doubt, find the official company website or contact information number independently and call to check.

Emails with suspicious or mismatched URLs

These may look valid but can be subtly different from the real website address. Hover your mouse over the link to reveal the actual destination address and check the details. If in doubt don't click.

Poor spelling or grammar in emails

Major organisations have legal, marketing and publicity checks. It’s rare their communications will carry these kinds of mistakes. Human error happens, so don’t base your decision on this alone.

Where to get help

If you’ve received an email or call from someone posing as Fidelity contact us on 1800 044 922. Here are some other useful contacts.

Leaders in fraud prevention

Educate yourself about fraud and scams. Fraud and scams can happen to anyone, so it is important to learn how to protect yourself, your computers and mobile devices against fraud, identity theft, viruses and many other problems encountered online. The ACCC (Australian Competition & Consumer Commission) has information and resources available at

Report suspicious activity. If you believe your account, computer or mobile device has been compromised or may be at risk, please do report suspicious activity to the Australian authorities.

We encourage you to report scams to the ACCC via the webpage.

Other threats to look out for