'Hi Mum, it’s me' (your devoted scammer)

Estimated reading time
 5 min

In this article

• Top tips to combat scammers
• Playing your part in keeping loved ones safe
• Latest online scams

You get a text that sounds urgent: “Hi Mum, I lost my phone, this is my new number. Message me back. I need your help.”

Only it’s not really your child - it’s a scammer pretending to be them.

This is known as the “Hi Mum” scam - a common impersonation scam in Australia, where scammers pretend to be a family member who has lost their phone and needs money. These scams are designed to feel real and personal, pushing you to act quickly based on emotion.

And while scams like the “Hi Mum” scam are common, they’re just one of many targeting Australians. With scams constantly changing and becoming more sophisticated, no one is immune. That’s why taking a few simple precautions can make a big difference.

Top tips to combat scammers

Here are three simple steps you can take to further improve your level of security:

1. Use a family code word

Have a family code word that only you and your loved ones know. Don’t share it with anyone else. If someone claims to be a family member, ask for the code word to confirm it’s really them.

2. Pause before acting on an SMS, email or phone request

If you receive an unexpected email, call or SMS; stop and think before acting - especially before clicking links, opening attachments or making a payment.

3. When in doubt, stop and call an official number

If it doesn’t feel right, hang up and call back using a trusted, official number. Never use the contact details provided in the call, message or email. 

You can call ANZ on 13 13 14 within Australia or +61 3 9683 9999 from overseas.

Playing your part in keeping loved ones scam safe

When it comes to scams, prevention is always better than dealing with the fallout.

Scammers target people from all walks of life, which is why regular conversations with family and friends are so important. Talking openly about common scam tactics helps everyone stay informed and recognise early warning signs, such as urgency, pressure or unexpected contact.

Because scams continue to evolve, even cautious people can be caught off guard. Staying connected, checking in often, and encouraging loved ones to question unexpected messages or requests can make a real difference.

Here are some ways you can help keep your loved ones safe:

• Download and print this easy-to-follow guide on how to protect yourself online (PDF).
• Familiarise yourself with the latest online scams by visiting our latest security alerts page.
• Learn about different types of scams and how to keep your family safe.

Always stay vigilant, and if it doesn’t feel right, sit tight, and contact us.