MANY fraudsters use the holiday season to take advantage of the goodwill of others says ANZ Fiji head of electronic banking Apenisa Seniloli.
With all the hype surrounding the Christmas season, Mr Seniloli said fraudsters were more active than ever this time of the year.
"Just because it's the holiday season does not mean that fraudsters take a break. At this time of the year, people are shopping more, buying online and generally using banking services more often — so the potential for fraudsters to target them is at its peak," he said.
"The good news is that a bit of vigilance and some simple precautions will go a long way towards preventing fraud.
"It's more important than ever to keep up good security practices and watch out for festive season scams.
"Doing so will help you avoid becoming a victim so you can get on with enjoying the festive season." Mr Seniloli said ANZ had compiled a list of the most common festive season scams including:
* Watching out for Christmas e-cards inviting you to click on a link especially if you don't recognise the sender.
* Many scams start with an email particularly tied in to Christmas.
* Phishing (trying to trick users into sharing confidential information about themselves or their employer) and smishing (phishing via SMS) are especially common at Christmas so be on the alert.
* Many fraudsters use details on social media sites to help commit crime.
Meanwhile, ANZ also issued warnings against retail scams including keeping an eye on fake charities, fake sales and online auctions which do not exist.
"Fraudsters often look to take advantage of the festive goodwill seeking donations for fake charities. Make sure you are donating to a recognised charity," the bank said.
"Be on the alert for counterfeit merchandise.
"Beware of items that are priced well below their competitors and be sure to buy from an authorised retailer."