Home Archive St.George Bank Phishing Scam Emails

St.George Bank Phishing Scam Emails

by Brett M. Christensen

Emails, purporting to be from Australia’s St.George Bank, claim that the recipient needs to click a link to login to his or account in order to update information, retrieve messages, or rectify specified problems with the account.

Brief Analysis
The messages are not from St.George Bank. They are phishing scams designed to steal personal and financial information.

Example (Received, January 2013)

Subject: account message

Your St.George Online Banking Has Been Blocked

For your security, your St.George Online Banking account has been locked due to inactivity or because of many failed login attempts.

Click Here to Re-activate your St.George Bank account

© 1999 – 2013 St.George Internet Banking. All rights reserved.

Example (Received, December 2010)

Dear Customer,

We detected irregular activities on your St.George Internet Banking account on December 02, 2010 . Your Internet banking account has been temporarily suspended for your protection, you must verify this activity before you can continue using your Internet banking account with St.George Bank Limited.

To restore your account and verify your account activity, Kindly click on the secure link below :
[Link Removed]

Security advice : Always logoff completely your Internet banking account after using internet banking from a public places or computer for security reasons.

Thank you,
Customers Support Service.
St.George Internet Banking services.
St.George and Westpac Bank Limited.

Example(Received, June 2009)

Example 1: Subject: St.George Online Banking Alert

Dear member:

We have recently updated our Online system to include new layer secure authentication. This is intended to provide you with the best security possible when accessing your account.
You will need to update your account in order to continue using your card.

St.George Home – Update [Link Removed]

Your ticket code is ST7880040.
We apologize for any inconvenience this may cause and appreciate your patience and understanding.

Member ID 92996

Example 2:

Subject: St. George online banking

We’d like to inform you that your secure mailbox has 1 new message(s).

Please visit Net in order to read this message(s) from our secure location.

Net: Log On [Link Removed]

View all messages [Link Removed]

Example 3:

Subject: St.George Bank message

To view this St.George Bank message log in at [Link Removed]. Please do not “reply” to this message. Click here [Link Removed] for more information. Contact St.George Bank Contact us at any time, 24 hours a day, 7 days a week Sign-on to St.George Bank online [Link removed] Example 4:

Subject: Information Regarding Your Internet Banking Account

Restore your Internet Banking Access As a result of too many incorrect attempts to access Internet Bank- ing, your access to this service has been locked. We apologize for any inconvenience this may cause.

Please Logon to Internet Banking to restore your account access as soon as possible.

Internet Banking: Restore Account

Example 4:

Subject: Banking Alert

Dear St.George customer,

During our regulary scheduled maintenance procedures, we have detected a slight error regarding your St.George Account. This might be due to one of the following reasons:

1. A recent change in your personal information (i.e. address changing).
2. Submitting invalid information during the initial sign up process.
3. Multiple failed logins in your personal account.
4. An inabillity to accurately verify your selected option of payment due to an internal error within our system.

*If your information is not updated within 48 hours then your ability to access your account will be restricted.

St.George – Update [Link Removed]

Thank you,
Ticket code is ST9402628,
Customer ID 68389,
St.George Bank , Billing Department


Detailed Analysis
Internet criminals are once again targeting Australian financial institution, St.George Bank.

A large number of phishing scam emails purporting to be from St.George Bank have been distributed over the last several years. Some claim that an important message is waiting for the customer online. Others claim that online banking has been “locked” or suspended due to too many failed login attempts or because of suspected fraudulent activity. Still others claim that due to errors detected in the system or changes in procedure, the customer’s online banking details must be updated. All versions include links to bogus websites that have been constructed to closely resemble the genuine St.George Bank website.

Customers who are tricked into following these links and logging in to the fake sites, may then be asked to provide other confidential information such as credit card details and personal and employment details. The criminals responsible for these scam emails are able to harvest all the information provided on the fake website including the customer’s online banking username and password. They can then use the harvested information to login to their victim’s real St.George account, steal money, make unauthorized credit transactions and conduct other fraudulent activities.

The scam messages may include seemingly genuine St.George logos and copyright notices to further the illusion of legitimacy. Many of the 2009 scam emails were virtually identical to earlier messages that targeted the Commonwealth Bank. In some, the scammers simply substituted “St.George Bank” in place of “Commonwealth Bank” and switched logos and copyright notices to reflect their new target. In fact, several St.George Bank scam examples I have received still include references to the Commonwealth Bank as well, apparently due to laxity on the part of the criminals processing the scam messages.

Internet users should be very cautious of any unsolicited email that requests them to click a link and login to an online account and provide confidential information. Like other legitimate financial institutions, St.George Bank will never send emails that ask customers to click a link and provide personal information. The bank has published information warning customers about these phishing scam emails on its website.

Importance Notice

After considerable thought and with an ache in my heart, I have decided that the time has come to close down the Hoax-Slayer website.

These days, the site does not generate enough revenue to cover expenses, and I do not have the financial resources to sustain it going forward.

Moreover, I now work long hours in a full-time and physically taxing job, so maintaining and managing the website and publishing new material has become difficult for me.

And finally, after 18 years of writing about scams and hoaxes, I feel that it is time for me to take my fingers off the keyboard and focus on other projects and pastimes.

When I first started Hoax-Slayer, I never dreamed that I would still be working on the project all these years later or that it would become such an important part of my life. It's been a fantastic and engaging experience and one that I will always treasure.

I hope that my work over the years has helped to make the Internet a little safer and thwarted the activities of at least a few scammers and malicious pranksters.

A Big Thank You

I would also like to thank all of those wonderful people who have supported the project by sharing information from the site, contributing examples of scams and hoaxes, offering suggestions, donating funds, or helping behind the scenes.

I would especially like to thank David White for his tireless contribution to the Hoax-Slayer Facebook Page over many years. David's support has been invaluable, and I can not thank him enough.

Closing Date

Hoax-Slayer will still be around for a few weeks while I wind things down. The site will go offline on May 31, 2021. While I will not be publishing any new posts, you can still access existing material on the site until the date of closure.

Thank you, one and all!

Brett Christensen,