Protecting your identity online
Your identity is one of your most valuable assets and protecting it online is more important than ever. As of the first half of 2025, Australians reported financial losses of approximately $173.8 million from 108,000 scams and cybercrime, according to the National Anti-Scam Centre1. But the impact goes beyond dollars. It can affect your credit, your emotional wellbeing, and your peace of mind.
At Pepper Money, we believe in helping you take control of your financial future. That includes understanding how identity theft works and what you can do to help keep your personal information safe.
What is identity theft?
Identity theft happens when someone uses your personal details – like your name, date of birth or bank account information – without your permission. They might apply for loans or credit cards in your name, access your money, or damage your credit score.
How does identity theft happen?
There are two common ways criminals get hold of your information:
Online theft: Through phishing scams, data breaches, or by accessing public details on your social media accounts.
Physical theft: By stealing mail, rummaging through bins, or taking lost wallets and handbags.
Simple steps to help protect your identity
Here are some practical ways to safeguard your personal information:
1. Use strong, unique passwords
2. Choose security answers that truly protect you
3. Be cautious with emails and texts
4. Keep your social media private
5. Secure your mail and documents
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6. Monitor your accounts
7. Dispose of devices securely
8. Take data breaches seriously
If you’re notified of a breach:
- Find out what information was affected.
- Change your passwords immediately.
- Contact your bank and monitor your accounts.
Signs your identity may have been stolen
Watch out for:
- Transactions you don’t recognise.
- Bills for things you didn’t buy.
- Loan or credit rejections despite a good history.
- A sudden drop in your credit score.
- Notifications about data breaches involving your details.
What to do if you suspect identity theft
If you think your identity has been compromised:
- Contact your bank and the Australian Cyber Security Centre.
- Report it to your local police.
- Change your passwords and close any unauthorised accounts.
- Visit ID Care for expert support.
If you believe your Pepper Money account has been affected, call our Customer Service team on 137 377 straight away.
Contributor | Steve Meek, Chief Information Officer
Steve joined Pepper Money in 2021 as Chief Information Officer. With over 20 years of diverse experience, he specialises in leveraging technology to drive business growth, enhance operational performance, improve customer experience, and foster innovation. Read more.
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