How to spot scam texts and calls. Scams are evolving. So should your skepticism.

Scam texts and calls aren’t just annoying—they’re getting smarter, more convincing, and way more personal. Gone are the days of obvious typos and suspicious overseas princes. Today’s scammers can look like your bank, your courier, even your boss.

The good news? Once you know the signs, they’re actually pretty easy to spot.

Let’s break it down.

Urgency is their favourite weapon

If a message is trying to rush you, that’s your first red flag.

Scammers love phrases like:

• “Act now or your account will be locked”
• “Final notice”
• “Immediate payment required”

They’re counting on panic to override your common sense. Legitimate organisations don’t force instant decisions via text or random calls.

“Your package is delayed” (But you didn’t order anything)

One of the most common scams is the fake delivery message.

You’ll get something like:

“Your parcel couldn’t be delivered. Click here to reschedule.”

Before you click:

• Did you actually order something?
• Does the link look legit—or like a keyboard smash?

Courier companies don’t use weird shortened links. When in doubt, go directly to their official website.

Suspicious links = Instant nope

If a text or email includes a link, pause.

Look for:

• Misspelled URLs (e.g. “anz-secure-login.xyz”)
• Extra words or numbers
• Shortened links (bit.ly, tinyurl)

Even if it looks legit, don’t click straight from the message. Open your browser and go to the company’s official site yourself.

Calls that feel… off

Scam calls have evolved. They can now:

• Spoof real numbers (even your bank)
• Sound professional and confident
• Know basic info about you

Watch for:

• Requests for passwords or PINs
• Pressure to “verify” personal details
• Threats (fines, arrest, account closure)

Hang up and call the company back using their official number.

We need your details” (No, they don’t)

No legitimate organisation will ask for:

• Your full password
• PIN codes
• One-time verification codes via text

If someone asks for this, it’s a scam. Full stop.

If it sounds too good to be true…

“You’ve won a prize!”
“Exclusive investment opportunity!”
“Free gift card!”

You didn’t enter. You didn’t win.

Scammers use excitement just like they use fear—both cloud your judgment.

Trust your gut (Seriously)

If something feels off, it probably is.

Even if:

• The branding looks real
• The message sounds professional
• The timing seems believable

Take a second. Scammers rely on you not doing that.

What to do if you’re not sure

• Don’t click anything
• Don’t reply
• Don’t share personal info
• Contact the company directly
• Block the number

In New Zealand, you can also report scams to Netsafe or the Department of Internal Affairs.