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We have reduced hours over the holiday period and are closed on public holidays. Your payments from us may be paid early. See more details.

Staying safe online

Scammers sometimes pretend to be ACC or offer services that look ‘ACC-related’ to access your personal or financial information.

We do communicate with you by phone, email, text message, posted letter and live chat. Some of our emails and text messages contain links to our website and online services.

Here’s how to protect yourself and what to do if you’re unsure. If in doubt, check it out. 

On this page

    How to spot a scam

    Scammers use emails, phone calls, texts and social media to impersonate organisations like ACC.

    Messages often look genuine but contain small differences that can be hard to notice.

    If anything feels rushed, pressured or suspicious – stop and check with us first. 

    Common signs of a scam

    What a scammer may do    

    What we do
    Ask for login names or passwords to our online services like MyACC     We will never ask you for your login name or password.
    Pressure you to make a decision quickly     We would not pressure you to act quickly without letting you know.

    Demand money or payment  

    		 We ask for payment using our official processes.
    Providers: Paying you for services
    Business customers: Paying your levy invoice
    Offer to pay your levy at a ‘discount’ or ask you to pay through a third-party.     We do not offer levy discounts or ask someone else to collect payments on our behalf.
    Say they are an ACC advocate and offer to speed up your claim by asking for ID documents, bank details or ACC paperwork.

    We work with advocates and navigation services through official channels only.

    We do not request ID, bank details or ACC paperwork by text or email, or charge for advocacy or navigation services.

    If you’re ever unsure, contact us directly – we’re happy to help.

    Email, text and phone scam examples

    Email scams

    Scam emails may say you have:

    • an overdue levy
    • a refund waiting
    • a claim update
    • a MyACC login issue.

    They may include:

    • fake links
    • unexpected attachments
    • urgent or threatening language.

    Warning signs:

    • Sender not from acc.co.nz (scammers may add extra letters or words, eg @accc.govt.com)
    • Unusual spelling or formatting
    • Links that don’t point to acc.co.nz
    • Attachments you weren’t expecting.

    Top tip: Before you click, hover any link or button to check the website address. If it doesn’t match acc.co.nz, don’t click.

    If in doubt, don’t click – contact us first.

    If you get a suspicious email pretending to be ACC, please report it. If you can send the email as an attachment to:

    Email: infosec@acc.co.nz

    Text (SMS) scams

    Scam texts may say:

    • “your ACC refund is ready”
    • “payment failed”
    • “reactivate your account”.

    They usually include a link.

    ACC will never text ask you to confirm personal information or login details like your username and password from a text message.

    Don’t click the link, check with us instead.

    Examples of legitimate text messages we send

    These are examples only – wording may vary.

    Customer type
    		 Text message
    Injured person We confirm your claim is approved by a text containing your claim number and links to acc.co.nz.
    Injured person We may send a code to register for a MyACC account.
    Injured person If we’re unable to reach you by phone, we may follow up with a text asking you to contact us.
    Previously injured person We may send injury prevention messages.
    Business owner Messages about levy refunds.
    Business owner MyACC for Business registration or reminders

    Phone scams

    Scam callers may:

    • say there’s an issue with your claim
    • ask for bank details or ID information
    • demand immediate payment
    • pressure you to act quickly.

    ACC will never:

    • ask for credit card details over the phone
    • demand urgent payment
    • threaten penalties
    • ask you to download software or give remote access.

    If a call feels suspicious, hang up and call us back on our official numbers.

    Levy discount scams (for businesses)

    Some scammers offer to pay your ACC levies at a ‘discount’ through a third party.

    How this scam works:

    • A third party contacts you, often via social media.
    • You pay them a fee.
    • They use a stolen credit card to pay your levy.
    • The payment is later reversed.
    • Your levy remains unpaid.

    ACC will never:

    • offer levy discounts
    • ask anyone else to collect payments
    • contact you through social media about levy deals.

    Protect your business

    • Only use the payment options on our website.
    • Don’t share levy information with third-party agents.
    • If you’re unsure, call us at 0800 222 776.

    Fake advocate scams (for clients)

    Scammers may pretend to be ACC advocates or support people to get personal or financial information.

    They may:

    • claim to act on our behalf
    • offer to fix or speed up entitlements
    • ask for ID, bank details, or ACC paperwork
    • ask you sign blank forms
    • charge fees for ‘help’.

    Their goal is financial gain.

    ACC will never:

    • charge for advice or advocacy
    • ask advocates to contact you on social media
    • request for ID or bank details by text or email.

    Protect yourself

    • Be cautious about unexpected contact.
    • Don’t share documents unless you trust who is asking.
    • If unsure, call us at 0800 101 996.
    • You can also speak to us directly or use our free support services.

    Social media scams

    Scammers sometimes create fake accounts pretending to be ACC.

    You can check if the social media account is official by:

    • looking at how many followers – official ACC accounts have thousands of followers
    • checking how often it posts
    • checking when the account was created
    • checking whether it links back to acc.co.nz.

    Our real accounts are on Facebook, Instagram, LinkedIn, TikTok and YouTube.

    We may contact you for research

    To improve our support and services we may invite people to take part in surveys and research.

    We only contact you using verifiable ACC sources such as:

    • an @acc.co.nz email address
    • noreply@ext.acc.nz (Voice of Customer surveys), with replies linked to feedback@acc.co.nz.

    If you think you’ve been targeted or scammed

    To report a scam, contact Police on 105 or at 105.police.govt.nz

    If the scam may affect your levy, claim or entitlements, contact us:

    For clients, phone: 0800 101 996

    For businesses, phone: 0800 222 776

    Forward any suspicious emails to:

    Email infosec@acc.co.nz

    More on staying safe

    For tips on staying safe online and recognising scams, visit the National Cyber Security Centre.

    Visit National Cyber Security Centre

    How we protect your privacy 

    We collect, use and disclose your information with care. 

    Learn more about how we protect your privacy: 

    Privacy at ACC

    Last published: 15 December 2025