TL;DR: Lost money? Call your bank immediately (number on your card), then Police at 105.police.govt.nz or 105. Scam text? Forward free to 7726. Not sure or need support? Netsafe at netsafe.org.nz/report or 0508 638 723. Cyber incident or hacked account? The NCSC. ID stolen? IDCARE on 0800 121 068. Danger? 111.
The order matters
If money has left your account, every minute counts. Banks can sometimes freeze funds before they’re moved on.
| Priority | Who | How |
|---|---|---|
| 1. Money lost | Your bank | Number on your card (24/7 lines: ANZ 0800 269 296, ASB 0800 272 372, Kiwibank 0800 113 355) |
| 2. Crime report | NZ Police | 105.police.govt.nz or call 105 |
| 3. Advice and reporting | Netsafe | netsafe.org.nz/report or 0508 638 723 |
| Scam texts | DIA | Forward to 7726 (free) |
| Cyber incidents | NCSC | Online reporting form |
| Identity misuse | IDCARE | 0800 121 068 |
| Immediate danger | Police | 111 |
Sources: Police, Netsafe, MFAT/DIA, IRD.
Report to both bank and Police
Under the new bank Code, to be considered for reimbursement you must report to your bank and Police within 3 months of discovering the scam (details). So don’t skip the Police report, even if it feels pointless.
Specific organisations
- IRD scams: IRD’s "Let us know about a scam" page (IRD guide).
- NZTA texts: NZTA’s phishing form (NZTA guide).
- Trade Me: Community Watch (Trade Me guide).
- Investment scams: the FMA (FMA guide).
- Parking QR stickers: Police 105 and your council (QR guide).
Don’t be embarrassed
Police note scams aren’t always obvious and work by building urgency or trust. One recent Bay of Plenty case: a vulnerable person was manipulated into withdrawing cash and handing it over; two men were charged. Reports are how cases like that get solved.
After reporting
- Change passwords you may have exposed.
- Watch for recovery scams promising your money back for a fee.
- Consider a credit suppression if ID was shared.
A free exposure check shows if your details are in breach data.
Frequently Asked Questions
Who do I contact first if I’ve been scammed in NZ?
Your bank, immediately, using the number on your card. Then report to Police on 105.
How do I report a scam to NZ Police?
Online at 105.police.govt.nz or by calling 105.
What is Netsafe’s phone number?
0508 638 723, or report online at netsafe.org.nz/report.
Where do I report scam texts in NZ?
Forward them free to 7726.
Sources
- NZ Police: Two charged following alleged scam targeting vulnerable victim (16 Jul 2026)
- Netsafe: Scams update, August 2026
- MFAT: Text message scam, what to do
- Inland Revenue: Take action if you've been scammed