Tax file number (TFN) fraud is one of the fastest-growing forms of identity theft in Australia—especially during tax time. With so many people logging into their myGov accounts, submitting tax returns, or expecting ATO refunds, it’s prime time for scammers to strike.
At MBC, we’re more than just tax experts—we’re your trusted partners in business and financial well-being. So here’s what you need to know to stay protected.
Why TFN Fraud Is a Growing Concern
Your Tax File Number is a unique personal identifier used by the Australian Taxation Office (ATO) to manage your tax and superannuation. If scammers get access to it, they can:
- Lodge fraudulent tax returns to steal your refund
- Access and alter your ATO records
- Open bank accounts or loans in your name
- Commit identity fraud, potentially harming your credit and reputation
Worse still, many victims don’t realise their TFN has been compromised until the ATO contacts them—or their refund doesn’t arrive.
What Are Scammers After?
Fraudsters are getting more sophisticated. Here’s how they often operate:
- Fake myGov emails or texts asking you to click on a link and verify your details
- Spoofed calls pretending to be from the ATO demanding immediate payment
- Social engineering tactics are convincing you to reveal personal information like your TFN, DOB, or bank details
Reminder: The ATO will never ask you to share your TFN or passwords via email, text, or social media.
How to Protect Your TFN and ATO Account
Keeping your personal data secure doesn’t have to be complicated. Here are six simple steps:
- Enable multi-factor authentication (MFA) on your myGov account
- Use strong, unique passwords for each government and financial login
- Check your myGov account regularly for unfamiliar activity or correspondence
- Never share your TFN or myGov login via phone, email, or text
- Keep your contact details updated with the ATO so they can reach you if needed
- Access the ATO portal only via https://my.gov.au
Learn More from the ATO
Want official advice straight from the source? The ATO has published practical guidance to help protect your information:
Read: How to Stay Scam Safe
This page explains:
- How TFNs are misused
- How scammers access your ATO portal
- What steps to take to stay protected
What to Do If Your TFN Has Been Compromised
If you suspect a scammer has accessed your TFN:
- Contact the ATO’s Client Identity Support Centre: 1800 467 033
- Report the scam to Scamwatch
- Please let us know immediately so we can assist you in assessing the impact and taking the next steps.
Need Help Navigating This?
At MBC, we’re here to help you do more than just stay compliant—we’re here to help you protect your financial future.
If you’ve received something suspicious or want to double-check your ATO account, reach out. We can guide you through your options and help secure your information. Peace of mind is just a conversation away.
