04 3836 6957 - 0438366957: NAB Impersonation & Phishing Reports

• Legit
• Scam
• Spam
• Suspicious
• Uncertain

04 3836 6957 (0438366957): 10 scam reports describing NAB impersonation via SMS and calls. Scammers claim card issues, request verification codes, and send phishing links.

NAB Impersonation and Phishing Reports for 04 3836 6957

Multiple contributors have reported suspicious activity from 04 3836 6957 (also written as 0438366957), with 10 confirmed scam reports indicating organised NAB impersonation attempts. The pattern involves callers and text senders claiming to represent National Australia Bank, often referencing specific card details (last 4 digits) and account information to appear credible. However, several contributors noted the callers lacked basic knowledge about their own accounts - one report described a caller pretending to be NAB but unable to confirm the contributor's card details when challenged.

The scams targeting 0438366957 operate across both SMS and voice channels, with text messages appearing particularly frequent. Contributors report receiving multiple duplicate SMS messages within single threads, designed to create artificial urgency. One contributor received the same card-blocked message repeated 12 times across two separate SMS batches, a deliberate tactic to pressure quick action.

What Callers and Texters from 04 3836 6957 Claim

Reports from 04 3836 6957 show scammers use several specific claims to manipulate recipients:

• Card has been disabled or blocked and needs immediate unblocking
• Replacement card delivery requires confirmation of personal details
• Home loan enquiries followed by requests to "confirm" banking and ID details
• Security verification codes for PayAnyone payments the recipient never initiated
• Card ending in specific numbers (often the last 4 digits) is unblocked and ready after being suspended

Several contributors noted the messages referenced accurate details like their name and partial card numbers, suggesting data from previous breaches. One contributor observed a text about home loan contact stating "their mobile home lenders will contact me soon" before the follow-up scam attempt - indicating potential data linkage between compromised sources.

The SMS messages from 0438366957 typically include a phishing link or callback number. Contributors who clicked links or called the provided numbers reported being asked to provide further banking credentials, card numbers, or verification codes.

Legitimate Calls vs Scam Pattern

Importantly, NAB does legitimately use 04 3836 6957 for some security purposes. Five reports confirm genuine NAB communications - including purchase verification calls, card unblocking confirmations, and verification code delivery. This creates a crucial challenge: scammers exploit NAB's legitimate use of this number to increase credibility.

The key difference: genuine NAB calls from 04 3836 6957 typically occur after YOU initiated contact with the bank (e.g., you called to report a blocked card). Scam calls and texts arrive unsolicited, often with demands for information NAB would never request via SMS or unsolicited calls, such as full card numbers, PINs, or verification codes.

Report Patterns and Timing

The 20 reports span from October 2023 to January 2026, with concentrated scam activity from mid-2024 onwards. SMS reports significantly outnumber voice calls, reflecting a shift toward text-based phishing. One contributor reported 5 months of missed calls before receiving a blank text message in May 2024, suggesting prolonged targeting.

The contribution mentions a Telstra mobile number, though the scam tactic remains consistent regardless of underlying carrier. Several contributors explicitly reported the scam activity to NAB's fraud teams and ACMA after receiving calls from 04 3836 6957.

What to Do If You Receive a Call from 04 3836 6957

If 04 3836 6957 calls you:

• Do not: Confirm card details, provide verification codes, or give personal banking information over the phone
• Do not: Trust caller ID - scammers can spoof NAB's legitimate use of this number
• Do not: Return any callback number provided by the caller
• Do: End the call immediately and contact NAB directly using the number on your card or NAB's official website
• Do: If you initiated contact with NAB and they call back, verify by hanging up and calling NAB's main number yourself
• Do: Report the call to ACMA (acma.gov.au) and NAB's fraud team

What to Do If You Receive an SMS from 04 3836 6957

If 0438366957 sends you a text message:

• Do not: Click any links in the message
• Do not: Reply with personal information or verification codes
• Do not: Call any number provided in the SMS
• Do: Report the SMS as spam by forwarding it to 0429 999 888
• Do: Block the number on your phone
• Do: Contact your bank directly using a number from your card to verify if the message is genuine
• Do: Report the phishing attempt to ACMA at acma.gov.au and to your bank's fraud team

How to Report 04 3836 6957

If you receive scam calls or texts from 04 3836 6957, report the activity through these official Australian channels:

• ACMA (Australian Communications and Media Authority): acma.gov.au - report unwanted calls and SMS
• Scamwatch: scamwatch.gov.au - report the scam and see similar reports
• Your bank directly: Contact NAB's fraud team immediately if you received phishing attempts targeting your account
• ReportCyber: cyber.gov.au - for cybercrime and phishing reports
• Reverseau: Contribute your own report to help other Australians identify this number's activity patterns

Multiple contributors have already reported 0438366957 to both their banks and ACMA, building a community record of the scam pattern.

Frequently Asked Questions