Home ScamsPhishing Scams ANZ ‘Quick 3-Question Survey’ Phishing Scam

ANZ ‘Quick 3-Question Survey’ Phishing Scam

by Brett M. Christensen


Email purporting to be from ANZ claims that recipients can have $35 credited to their accounts just for opening an attached file and filling in a brief survey.

Brief Analysis

The email is not from ANZ and recipients will certainly not receive $35 for participating in a survey. The email is a phishing scam designed to trick recipients into divulging their credit card details to cybercriminals.


Subject: ANZ Internet Banking Online Survey!

ANZ Internet Banking will add 35.00$ AUD credit to your account just for
taking part in our quick 3-question survey.

Download and complete the Survey. It`s fast and easy !

C Australia and New Zealand Banking Group Limited (ANZ) 2013

Attached file: “survey.html”

Detailed Analysis
This message, which purports to be from large Australian and New Zealand banking group ANZ, claims that recipients can have $35 credited to their account in exchange for participating in a short survey. Recipients are urged to open an attached file to complete the survey and claim their credit.

However, the email is not from ANZ and users will not receive $35 for participating in the survey. The survey is entirely bogus and is designed to trick users into giving their credit card details to Internet criminals. Those who fall for the tactic and open the attached file, will be presented with a fake survey page as shown in the following screenshot:

ANZ Survey Phishing Scam

The fake survey form asks participants to key in their contact details as well as their credit card number, expiry date and CVV, ostensibly for verification purposes. After victims supply the requested details and click “Submit”, they will then be redirected to the genuine ANZ website.
Meanwhile, the criminals behind the scam campaign can collect the submitted data and use it to commit credit card fraud and identity theft.

Very similar survey scams have targeted customers of several other banks, including Westpac and NatWest. One 2012 version also targeted ANZ customers and promised “bonus reward points” to people willing to participate in a survey. Again, the bogus survey page stole personal and financial information from unsuspecting ANZ customers.

Be wary of any messages that claim that your bank will pay you a significant sum just for participating in a tiny survey. Moreover, even in the very unlikely event that your bank was to offer such an incentive for participation, they certainly would not ask customers to supply personal and financial details via an unsecure form contained in an email attachment.

Note also that alternative versions of the scam pretend to be from high profile companies such as McDonald’s and Coke. These versions also promise monetary rewards for participating in supposed product surveys and ask victims to supply banking or credit card details, ostensibly to allow payment of the survey fee.

Of course, legitimate companies do sometimes offer financial incentives or the chance to win a prize in exchange for participating in a survey. However, these legitimate surveys are considerably longer and more complex than the tiny and virtually meaningless surveys presented in these scam messages. And they do not expect participants to supply personal and financial information via unsecure email attachments.


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Brett Christensen