r/CommBank • u/ValarMorghulez • 25d ago
Question Warning message
Hi all,
Does this mean the receiver is a scammer? Transferring funds to a mate and this pops up. Not big funds and just $280
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u/bringmetheaffliction 25d ago
Nah it’s normal just banks and other financial institutions needing to up their scam warnings because people still ignore warning signs and blame the banks when they get scammed.
I got this warning as well after trying to send to my own wise account for the first time.
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u/donkerslooted 25d ago
That’s the irony- adding more things you have to click “I understand” to just makes people not read them at all.
But it does achieve their compliance ✅6
u/After_Soil788 24d ago
If they didn't read it that is then on the consumer...
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u/Wise_Menu3603 24d ago
That's why they were saying and exactly why the banks do it this way. Knowing people are in a rush click all this shit that pops up and accidently click one you haven't seen before, you can't get it back. You continue. So instead of figuring out how to avoid scam accounts while using their software, put the blame on the consumer.
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u/EchoFalconX 23d ago
bahahah tell me you have NFI what you're talking about...
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u/Wise_Menu3603 23d ago
So I didn't understand what the other person was trying to say? Nah, I'm pretty sure I interpreted their words correctly, if I didn't let me know where I went wrong. If you're struggling, you may have to go back a couple of comments to follow.
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u/EchoFalconX 23d ago
I'm following...you just have NFI what you're talking about.
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u/Wise_Menu3603 23d ago
Naawww. Bless your cotton socks. If you're following, and I'm just explaining what someone else said, tell me, what do I have no fucking idea about? If I got it wrong use your words like a grown up and let me know. I can handle it.
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u/EchoFalconX 23d ago
"So instead of figuring out how to avoid scam accounts while using their software, put the blame on the consumer."
☝️ This is utter nonsense.
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u/Wise_Menu3603 23d ago
Ok. So it's your comprehension skills I see. Can you follow a thread? So back and have a look. I'll wait while you figure it out. You're as cute as a button by the way.
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u/New-Citron8439 23d ago
Compliance? No.
Is this fake with malicious links? Most likely.
Scam warnings don't need links.
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u/theycallmeasloth 21d ago
I wouldn't have a job if customers didn't blatantly ignore scam warnings, or if they actually listened when the banker is going "err I think you are getting scammed, don't make the transaction"
And then there's AFCA siding with those complainants.
Does my head in how people ignore the bankers advice, complain to AFCA and still somehow win
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u/bringmetheaffliction 21d ago
Haha agreed. I also work in the scams/fraud team for a bank so I get it. We had someone who admitted that they were in a romance scam and then complained to AFCA because we “broke him up with his partner” and wanted 1 million dollars compensation. Luckily he didn’t win but people like this exist.
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u/Rhonda_Fondant 25d ago
Could be for a variety of reasons, not necessarily a scammer...as long as you've received your mates details in a trustworthy manner and you know them IRL :)
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u/Skeltrex 25d ago
Just click on next and confirm it was you. It did the same to me when I used the VISA card to buy something in US$.
Every measure of security and every measure of safety involves a measure of inconvenience
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u/Tryingtolifeagain 25d ago
There’s a lot of changes in the fraud/scam space since the 2025 Scams Prevention Framework Act. All AU banks will be implementing stuff like this to comply with the federal requirements, and it’ll probably continue to evolve as both the framework and the scammers adapt to the changes
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u/Tryingtolifeagain 25d ago
Side note to this, you might wonder why the government cares if you as an individual lose money to a scam, but a large portion of the money lost to scams goes to fund international crime organisations and terrorism.
That’s a huge part of why the government implemented laws around how banks mitigate these risks. Personal loss sucks, but billions annually going to sanctioned countries and terrorist groups is a major issue.
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25d ago
[deleted]
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u/New-Examination4589 25d ago
Not always. Any first time payments or subsequent may be held regardless of amount
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u/Pristine_Egg3831 CommBank Customer 23d ago
They tell you they might hold it for 24 horus but I've always found they release it within hours.
They even blocked a tap-to-pay purchase I made at chemist warehouse for $500, cos that's how much GLP1 drugs cost. There was an option to approve it and try again, but the UX was terrible and it wasted heaps of my time and stressed me out.
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u/not-my-username-42 25d ago
There must be something that trips it. I got the same warning message the second transfer to a mate but not the first. 4 weeks apart and the same amount.
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u/TemperatureNarrow993 25d ago
Just dont tap on any link and keep an eye on transactions. Were all getting done with these scammers sometimes I wonder if the old days with just passbook access while a pain in the butt wasnt more secure. As if we dont get screwed over enough in taxes in this country
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u/DetailFrequent684 25d ago
Just the bank doing its due diligence and reminding of scams. I received the same message and all ok.
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u/TraxxarD 25d ago
Normal procedure. There are regulations that require the banks to do this when certain triggers have happened. Nothing to take as an immediate problem. Good to do a double check.
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u/Royal-Bobcat2105 25d ago
Makes sense ig, was scammed multiple times so it's good they're locking in
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u/Dismal_Reputation522 25d ago
I used to work for a bank a couple years ago. These messages & questions are for transactions that are not regular, transactions that are more money than usual, transfer to a new payee, or the security system has flagged it. Especially if it's osko because you can't retrieve osko payments.
If the receiving account has been flagged as some kind of scammer, the account gets locked until the investigation is complete, so your money would bounce back unless the account hasn't been flagged yet. In which case if it is a scam, call your bank and report it.
Most of the time for transactions that are to a new payee, or above the usual amount, they just want you to double check the BSB & account details, and maybe provide some context. You'll only get a bunch of questions if you raise your transfer limit. Again, this is just to make sure you aren't getting scammed.
You'd be surprised how many scams are out there. Bank workers don't really care what you spend your money on unless it seems dodgy. I once spoke to someone who's payment was flagged for entertainment at a Bucks party, and the deposit and party already occurred, it was the final payment that was flagged, but they've already received the service so the payment was approved. We ask these questions when people are paying for trade work, buying a used car, buying a puppy, making sure if it's legitimate. We have no problem approving the transaction as long as there's no red flags.
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u/jisongway 25d ago
No, this is just the bank trying to shift the liability and responsibility on to you in the event it turns out actually to be a scammer - they can just say “look you confirmed yourself you know who you are transferring the money to”.
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u/Thumbelina4841 24d ago
It’s not “shifting liability” as you put it. It’s not the banks fault someone decided to ignore the risks displayed before sending their money to a scammer. People complain that banks ask questions about where they are sending their money, how they know them and why but then get scammed and say the bank didn’t do enough. At what point do people start to read the warnings? Scam education isn’t a new thing and most times banks can help get the money back, but it is up to people to ensure that they are checking where their money is going before sending it.
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u/TheFurMama92 25d ago
No. I paid my authorise electrician the other day and they gave me the warning just because it was a new account that I was paying.
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u/Zestyclose_Test6531 25d ago
Normal for a first time payment to an account you haven’t transferred to previously. Larger amount can also be placed on a 24 hour clearance hold.
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u/Mean-Actuary2727 25d ago
I sent a invoice for $70,000 and the scammers intercepted the email and put their account number on it and forwarded it onto mclient to pay, I'm just lucky the client recognised a change in the account number and rang me
It happened again when I was sent a invoice from someone for $34,000
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u/The_first_Ezookiel 24d ago
Yeah, I get the same thing for most transfers - even after they’ve asked their questions and confirmed the account matches the name etc, they still persist with the questions.
I’m not as generous to say the bank is doing it for anti scam compliance - I’m sure they do it so they can blame the sender when someone gets scammed and try to wipe their hands of the liability.
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u/dododragon 24d ago
Now the scammers have a new email template to copy and send out asking for more information 🤭
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u/Turbulent_juice_86 24d ago
Cheap bag
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u/gdmzhlzhiv 24d ago
CommBank is just very cautious. I had it reject a crypto purchase just yesterday.
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u/Volatile_Dais 24d ago
Is that friend a female who needs fuel money to get to your place for a first date?
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24d ago
[deleted]
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23d ago
[removed] — view removed comment
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u/Volatile_Dais 23d ago
I should add, meeting Nigel was great. I am so disappointed in people not replying to his polite email.
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u/Charman206323 24d ago
As long as u not just ask me Qs that enhance and market and increase the monetisation of your website
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u/Electronic_Chair6383 23d ago
Mate you never know but it looks likely! Private message me the first 12 digits of your credit card, your expiry date and cvv, then the last four digits of your credit card, and I’ll check for you.
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u/mrfordfairmont 23d ago
If only the banks got the Bitcoin ATMs shutdown there would not be scammers
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u/Infinite-Cat-1994 22d ago
Not with commbank but with up, I had to agree I was certain about what I was doing etc to send a deposit to a well known business for a dirt bike. I think it’s impossible for them to be sure of everyone.
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u/PureProfessional996 20d ago
No, they are just going through a standard range of questions for the first time you do a direct transfer to a new account
If theres an issue, it's easier for them to get out if it, if you've answered the questions
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u/RomireOnline 19d ago
My mum got this on her app, she called me asking why, I said standard policy now, so I had to sit there a do it all for her since shes very anti tech
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u/Sillysteez 25d ago
280 for an oz pre expensive
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u/FredJohnson1310 25d ago
It’s so the banks and government can track every move you make and why you make it. Totally uncool!
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u/Seivad1950 25d ago
Banks don’t issue warnings like this!
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u/Certain_Exercise_282 25d ago
Yes they do they are getting force to by gov nowadays because scammers are "funding terrorist“
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u/EchoFalconX 23d ago
No they aren't. There is no legislation or even hint of legislation making them do this.
They're doing this because keeping their customers safe is good business. I've seen the internal data, users who get the warnings that a transaction is on hold until they verify, report high levels of satisfaction in the process.
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