- Scam
- Suspicious
- Unknown
- Legit
- Spam
- Uncertain
03 4100 0198 (0341000198): Contributors report robocalls impersonating NAB claiming overdue payments, requesting personal details, and pressing for confirmation. Mix of legitimate and fraudulent activity.
NAB Impersonation Robocalls from 03 4100 0198
The number 03 4100 0198 (also written as 0341000198) has generated 14 community reports with a complex pattern. Five reports classify calls as scams, two as suspicious, three as legitimate NAB communications, and several as spam or nuisance robocalls. The most common tactic reported is automated robocalling (5 reports), followed by NAB impersonation (4 reports). This mixed profile suggests the number may be legitimately used by NAB or a debt collection partner, but scammers are simultaneously spoofing it to exploit trust in the bank's caller ID.
Multiple contributors report that callers from 03 4100 0198 knew their full name and personal details, which raises red flags for data breach involvement. One contributor specifically noted the caller "knew my full name" before requesting confirmation, while another stated "they knew my name" when the impersonation attempt occurred. The allocation data shows 0341000198 is provisioned to Symbio Networks in Victoria, but this does not verify legitimacy of individual calls.
What Callers from 03 4100 0198 Claim
Contributors report two distinct call patterns from 03 4100 0198. Legitimate calls appear to be from NAB's Auto Banking service regarding overdue payments. One contributor confirmed the call was genuine after checking their online banking, and another noted NAB staff "didn't ask for personal details," which is standard practice for verified account holders.
However, fraudulent calls from 03 4100 0198 claim to be from NAB but contain red flags. Scammers have mentioned payment obligations for "Now Pay Later service" that contributors don't use, mentioned incorrect payment amounts, or demanded confirmation via button presses. One contributor reported the caller "warned not to press buttons to confirm identity"-contradicting the robotic voice's own instruction to press 1. Another noted the caller "tried calling back but got no answer," suggesting a one-way spoofed line.
A particularly detailed report describes the scammer as originating from Bairnsdale but using the 03 4100 0198 number to appear legitimate. The contributor stated the caller "claimed to be from NAB" and "knew my name," but when they checked their actual NAB app, the payment details "did not coincide with their payment requests." This mismatch is a key indicator of impersonation.
Call Patterns and Frequency
One contributor experienced extreme call volume, reporting "up to 17 a day from 9am to 9pm," with patterns of "6 calls in a row then half hour gap then more." This clustering pattern is typical of automated robocall campaigns. Several contributors received repeated voicemail messages from 03 4100 0198 with automated prompts to "press 1," described as sounding "convincing" but leaving no callback option.
The reports span from at least July 2023 to March 2026, indicating sustained activity over nearly three years. Most reports cluster around late 2024, with ongoing activity through early 2026. One contributor received calls "even though there's negative reviews about it," suggesting the number remains active despite community awareness of its fraudulent use.
What to Do If You Receive a Call from 03 4100 0198
If 03 4100 0198 calls you:
- Do not: Press any buttons on the keypad, provide personal details, card numbers, or account information; return the call to the number shown on caller ID
- Do: Let it go to voicemail; if you believe it may be legitimate NAB contact, hang up and call NAB directly using the number on your bank card or statement; check your NAB account online or via the app instead of responding to the call
- If the caller claims an overdue payment: Verify independently via your official NAB online banking before taking action
- If the call is persistent: Block 03 4100 0198 in your phone's settings; note that blocking may not prevent spoofed variations of the number
What to Do If You Receive an SMS from 03 4100 0198
If you receive an SMS from 0341000198:
- Do not: Click any links, reply to the message, or follow instructions to confirm identity
- Do: Report the SMS as spam to your carrier; forward to the ACMA at 0429 999 888; delete the message
- If the SMS requests payment confirmation: Contact your bank directly using their official number before responding
How to Report 03 4100 0198
If you've received fraudulent or nuisance calls from 03 4100 0198, report them through these channels:
- Scamwatch (scamwatch.gov.au): Report the call with details of what the caller claimed and any money requested
- ACMA (acma.gov.au): Submit complaints about nuisance calls and robocalls; ACMA tracks patterns to identify major sources
- NAB directly: Call the customer service number on your bank card to report the impersonation attempt; the bank can flag your account for monitoring
- Reverseau: Contribute your experience on Reverseau to help other Australians identify this number
Help others by sharing your experience with (03) 4100 0198!
WRITE A REVIEWRatings Distribution
What Our Users Reviewed
Phoned pretending to be from my bank, knew my full name and account number, claimed I had money owing when I knew I didn't. Rang the bank to confirm it was dodgy
Machine saying it's the bank warning about an overdrawn acc and wanting to know when you'll pay, calls repeatedly til you respond
Getting slammed with calls from 0468 2... numbers over and over, spam for sure
Kept leaving automated messages to press 1, looks dodgy
Although people keep saying it's a scam I for fit the profile.
I owe money to pay later... But I don't understand why I need to be reminded 4 times a week via a bot call...
Was actually NAB calling about an overdue payment, didn't ask for personal details
NAB calling about overdue payment, can check online banking instead of calling back
robocall pretending to be from NAB, came from Bairnsdale number to look legitimate. said I had a payment due for Now Pay Later service which I don't use, or mentioned wrong amounts. warned not to press buttons to confirm identity
Continuous calls with an automatic voicemail message that sounds convincing
Claimed to be from NAB Auto Banking about a payment. researched and confirmed it's legit but suggest contacting NAB directly if unsure
They knew my full name, told me to press 1 to continue but hung up when I tried to call back. NAB said they have no info on this number
Bombarded with calls, up to 17 a day from 9am to 9pm. often 6 calls in a row then half hour gap then more
Sounded like automated recording claiming to be from NAB. my account is up to date, hung up and reported to NAB
Caller claimed to be from NAB, tried calling back but got no answer
Still getting calls from this number even though there's negative reviews about it
Caller scammer from Bairnsdale impersonating NAB staff, documented and planning to report to Scamwatch
This is a scam call pretending to be NAB they knew my name. Thankfully I was able to check my account via the app to confirm my payment details which did not coincide with their payment requests.
Scam call, reported to NAB
Four calls in one day, automated voice claiming to be NAB about home loan. Had my name and last 4 digits of account number
Help others by sharing your experience with (03) 4100 0198!
WRITE A REVIEWFrequently Asked Questions
Is 03 4100 0198 actually NAB calling me?
Not always. Community reports indicate 03 4100 0198 is both used legitimately by NAB's Auto Banking service AND spoofed by scammers. If you receive a call from 0341000198, hang up and call NAB directly using the number on your bank card. Never press buttons or provide details in response to the robocall. NAB confirmed to one contributor that they have "no info on this number," suggesting scammers are spoofing it.
Why do callers from 03 4100 0198 already know my name?
Multiple contributors reported that callers from 03 4100 0198 knew their full name before asking for confirmation. This suggests possible data breach involvement. Scammers may be using stolen personal information combined with spoofed caller ID to make the call appear more legitimate. Legitimate NAB staff would verify your identity against your account, not ask you to confirm details they claim to already know.
What should I do if 03 4100 0198 keeps calling me repeatedly?
One contributor reported receiving up to 17 calls per day from 0341000198, often in clusters. Block the number in your phone's settings immediately. Report the harassment to the ACMA (acma.gov.au) and to NAB's fraud team. Note that blocking may not prevent variations of the number from getting through, so remain cautious of similar-looking caller IDs claiming to be from your bank.
What if 03 4100 0198 claims I owe money for a service I don't use?
This is a common scam pattern reported for 0341000198. One contributor was told they owed money for a 'Now Pay Later service' they don't actually have. Another found the caller mentioned incorrect payment amounts that didn't match their real account. Always verify claimed debts independently by logging into your bank's app or calling the bank's official number. Never act on information from an unsolicited call.
Should I press 1 if 03 4100 0198 asks me to?
No. Multiple reports from 0341000198 describe automated voicemails and robocalls asking callers to press 1 to continue. One contributor reported that the robotic voice actually warned 'not to press buttons to confirm identity'-which is a contradiction that signals fraud. Pressing any button confirms your number is active and monitored, potentially leading to more calls. Let robocalls go to voicemail.
Why does 03 4100 0198 show as coming from Bairnsdale if the caller is a scammer?
A contributor specifically noted the robocall 'came from Bairnsdale number to look legitimate.' This is caller ID spoofing. Scammers can manipulate the caller ID information displayed on your phone to show a local or trusted number, even though the call is originating elsewhere. The allocation data shows 0341000198 is provisioned to Symbio Networks in Victoria, but this doesn't prevent scammers from spoofing it. Never trust caller ID alone.