Older Australians are among the most vulnerable when it comes to online scams. Since they have more accumulated wealth and are generally less savvy when it comes to new technology, they’re easy targets for cybercriminals. The best way for senior Australians to protect themselves from scams is by being aware of scam tactics, securing their online accounts, and practicing internet safety. 

What are the common scams that target seniors? 

Knowing common scams can help seniors identify when someone is trying to pull the wool over their eyes. Keep an eye out for these common scam tactics to better protect yourself or those around you: 

Impersonation scams 

This involves a scammer impersonating someone from an official government agency or organisation. Scammers may reach out by claiming to be from the ATO, a bank employee, a police officer, or a debt collector, among others, to trick the victim into disclosing personal information or parting with money. 

Usually, they’ll reach out using intimidating emails to scare their victims into acting quickly. Be wary of unsolicited emails, text messages, or phone calls from people claiming to be part of a government agency, business, or utility service asking for money. Go to the proper channels if you have any concerns. 

Romance scams 

This typically targets those who have been recently widowed, divorced, or those seeing romantic partners via dating websites, apps, or social media. Scammers will assume another online identity and build a relationship with them through weeks or even months, so they can ask for money, gifts, or personal details they can use to steal your identity. 

Card collection scams 

Victims will often receive a message claiming to be from their bank or a banking representative. The message will say that the victim’s card has been compromised and they need the PIN and other sensitive information so the bank can send a new card in the mail. The best way to combat this kind of scam is to not engage with the sender and report the email. Banks will never ask for a card PIN and will only contact their customers if they flag suspicious transactions or are responding to a query or issue. 

Remote access scams 

This scam involves hackers taking control of the victim’s device, be it a phone, tablet, or computer. The scammer will call the victim or send an email posing as tech support from a trusted company. They’ll claim that there is an issue with the victim’s device and convince them to install a remote access tool. From there, the scammers can take over the victim’s device and steal money, financial information, or personal data. 

Tips to stay safe online for seniors 

Here are a few easy ways older Australians can keep themselves safe online: 

Always be cautious of unsolicited emails 

Emails that contain links leading to unknown websites or use urgent language should be treated with caution. It’s to ignore these emails and, if there are any concerns, go straight to the business, service, or government agency concerned.  

Update devices regularly 

Smartphones, tablets, and computers should be up to date with the latest security features. The latest security updates better protect devices and the information on them from malicious software or hacks. 

Turn on multi-factor authentication 

Multi-factor authentication (MFA) is a feature most online accounts have. With this on, you need to have a password and a unique code sent to your phone or email to access an online account. Having this feature enabled makes it more difficult for cybercriminals to access your accounts.  

Don’t give anyone your PIN or OTP  

Banks or other financial institutions will never ask for a customer’s card PIN or OTP (one-time password). Giving someone your PIN or OTP is a major security breach, as that person will have access to your card or bank account. 

Practice internet safety 

There are many unscrupulous individuals online, looking for their next victim. Remember, not everyone on the internet is who they say they are. Don’t give out any sensitive information to people over the internet. 

Go straight to the source

It’s always a good idea to verify someone claiming to be from an established business, bank, lender, or service provider. It’s unlikely that these organisations will suddenly message or call customers with urgent matters regarding your account without you initiating the correspondence. If you do receive calls or messages like these, it’s best to go to the official company hotline or customer support services.