Personal Fraud Protection
$3 billion was lost to scams and fraud last year. Understand your risks, know your rights, and get connected to protection services directly.
Personal Fraud Types
Select your fraud type for a detailed guide, what cover exists, and who to contact.
Identity Theft
Guide →When criminals steal your personal information to open accounts, take out loans, or commit fraud in your name.
Card & Payment Fraud
Guide →Unauthorised use of your debit or credit card — from skimming and cloning to online purchases you didn't make.
Online Scam Protection
Guide →Phishing, fake websites, romance scams, and investment fraud — protecting people from digital deception.
Account Takeover Fraud
Guide →Criminals gain access to your bank, email, or social media accounts — then drain funds or lock you out.
Investment Scam Protection
Guide →Fake trading platforms, crypto scams, and Ponzi schemes targeting investors.
Personal Fraud Insurance
Coming SoonWe're working to bring a dedicated fraud insurance product to individuals — direct cover for scam losses and identity recovery.
Personal Fraud Insurance
For Individuals & Families
Fraud and scam losses for individuals are growing fast — but there's currently no mainstream insurance product that covers you directly. We're working with specialist underwriters to change that.
The product we're developing would cover scam losses, identity theft recovery costs, and legal expenses — filling the gap left by bank zero-liability guarantees, which don't cover losses where you authorised the payment.
What we're aiming to cover:
This product is in development and not yet available for purchase. No obligation applies to expressions of interest.
Where to Get Personal Protection
Banks, insurers, and free services available to you right now.
ANZ Bank
BankZero liability on unauthorised card transactions
ANZ provides zero liability protection on all unauthorised card transactions when you report fraud promptly. Online and mobile banking fraud protection included.
BNZ Bank
BankGuaranteed fraud protection on eligible accounts
BNZ's Online Banking Guarantee protects you against loss from unauthorised transactions on your internet banking — provided you follow their security guidelines.
ASB Bank
BankSecure internet and mobile banking protection
ASB guarantees to reimburse losses from unauthorised transactions through ASB FastNet Classic or ASB Mobile, subject to their security conditions.
Westpac NZ
BankDigital fraud protection across all channels
Westpac's Online Banking Guarantee covers losses from unauthorised use of your Westpac accounts through online or mobile banking, under their terms.
Kiwibank
BankKiwi-owned banking with fraud safety net
Kiwibank provides fraud protection guarantees on internet banking transactions, covering losses from unauthorised access where you've met their security requirements.
NZI
InsurerPersonal cyber insurance add-on cover
NZI offers cyber insurance products that can include personal fraud elements. Contact NZI or a broker to discuss personal cyber cover options.
IDCARE
Support ServiceFree identity & cyber security support service
IDCARE is Australasia's national identity & cyber support service — free to use. Helps you respond, recover, and protect after identity theft or online fraud.
Have You Been Targeted Right Now?
Act immediately — the faster you report, the better your chances of recovery.
Do You Also Own a Business?
Business fraud cover — commercial crime, fidelity, and cyber insurance — is available through our network of licensed advisers right now.
Explore Business Protection →