New rules target SMS scammers

From 1 July 2026, text messages that claim to be from a business, bank, government agency or other organisation will be clearly identified if the sender has not been verified.
The changes are part of a new SMS Sender ID Register, introduced by the Australian Communications and Media Authority (ACMA), aimed at stopping scammers from impersonating trusted brands.
Under the new framework, any business or organisation that sends texts using a branded sender ID, such as a business name, must ensure that identifier is formally registered.
Messages sent with an unregistered sender ID will be flagged as ‘Unverified’ on customers’ phones.
‘Unverified’ messages will be grouped together in a single message thread on phones.
An ‘Unverified’ message could be a scam, but it may also come from a legitimate organisation that has not yet registered its sender name.
ACMA says consumers should treat these messages with caution, especially if they ask for personal information, contain links, or request payment.
ACMA advises:
- Don’t reply
- Don’t click on links
- Don’t share personal or financial information
- Don’t send money.
If a message claims to be from a bank or government service and you’re unsure, contact the organisation directly using contact details from its official website, not those in the message.
Head of Bank Resilience and Financial Crimes Sarah Hamilton said the changes would help ensure trust in SMS communications.
“Branded SMS messaging has long been an important way for businesses and organisations to alert customers about account activity and potential fraud,” Ms Hamilton said.
“The Sender ID Register helps ensure that when our customers see our name on a message, they can trust it’s genuinely from us.”
The rules only affect text messages from branded senders and would not apply to phone numbers. ACMA says messages from unknown numbers should be treated with caution.
Ms Hamilton said organisations had been working with their telecommunications companies to register approved sender IDs.
“Registered sender IDs will give customers extra confidence and make it harder for scammers to exploit trusted brands,” she said.
Australians lost more than $13.8 million to text message scams in the first nine months of 2025.
ACMA says the new system will make it easier for people to recognise trusted messages and harder for scammers to exploit well known organisations.
Learn more at acma.gov.au/sms-sender-id-register
Related topics
Things to note
The information in this article has been prepared for general information purposes only and is not intended as legal advice or specific advice to any particular person. Any advice contained in the document is general advice, not intended as legal advice or professional advice and does not take into account any person’s particular circumstances. Before acting on anything based on this advice you should consider its appropriateness to you, having regard to your objectives and needs.
Insurance Products (excluding Travel Insurance) are issued by RACQ Insurance Limited ABN 50 009 704 152 (RACQI) and arranged by RACQ Distribution Services Pty Ltd (RDS) ABN 35 116 361 650, AFSL 567130 and RDS' authorised representatives (including RACQ Operations Pty Ltd ABN 80 009 663 414, AR No. 234978 (RACQO)). Conditions, limits and exclusions apply.
Any advice provided by RDS and RACQO is general advice only and does not take into account your personal objectives, financial situation or needs and you will need to consider whether the advice is appropriate for you. Read the Product Disclosure Statement (PDS) before making a purchase decision on the product. You can also access our Target Market Determinations on this website.
RDS receives a commission from RACQI for the policies it arranges. RACQO receives fees paid for services it provides to RDS. Further details about remuneration are available on request prior to purchasing.
Banking and loan products issued by Members Banking Group Limited ABN 83 087 651 054 AFSL/Australian credit licence 241195 trading as RACQ Bank. Terms, conditions, fees, charges and lending policies apply. This is general advice only and may not be right for you. This information does not take your personal objectives, circumstances or needs into account. Read the disclosure documents for your selected product or service, including the Financial Services Guide and the Terms and Conditions, and consider if appropriate for you before deciding.
Except for RACQ Bank, any RACQ entity referred to on this page is not an authorised deposit-taking institution for the purposes of the Banking Act 1959 (Cth). That entity’s obligations do not represent deposits or other liabilities of RACQ Bank. RACQ Bank does not guarantee or otherwise provide assurance in respect of the obligations of that entity, unless noted otherwise.
RACQ Bank subscribes to the Customer Owned Banking Code of Practice which establishes higher standards than the law requires. The Code reflects modern consumer expectations and developments in approaches to issues such as consumer vulnerability, guarantors, and supporting customers through financial hardship. Please read our Customer Owned Banking Code of Practice page for more information.
RACQ Operations Pty Ltd (ABN 80 009 663 414 AR 000234978) and Members Travel Group Pty Ltd (ABN 45 144 538 803 AR 000432492) are acting as an Authorised Representative of the issuer of the insurance, Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL 246 548). Any advice set out above is general in nature only, and does not take into account your objectives, financial situation or needs. Before purchasing any travel products, please consider the RACQ Travel Insurance Product Disclosure Statement (PDS) and the Target Market Determinations (TMDs) that apply to these products. Whilst the PDS outlines the Terms and Conditions of these products, the TMDs outline the intended class of customers that comprise the target market for these travel products. This will allow you to consider which products best suit your objectives, financial situation and needs and consider the products appropriateness to your personal circumstances. TMDs also outline matters involving the distribution and the review of these products. The PDS, Supplementary PDS and TMDs for each travel product can be found here.

