The Australian Competition and Consumer Commission (ACCC) is urging people not to send money or personal details to strangers after $45 million was reported lost to scams already this year and 45,000 complaints made.

"Scammers are becoming increasingly sophisticated in their attempts to get your money or personal details,” ACCC acting chair Delia Rickard says. “Scams succeed because they look like the real thing and catch you off guard when you’re not expecting it.

"Our new Scamwatch website… has all the latest news and tips to help you identify and avoid scams. By following the advice on this site, you can help to protect yourself against scammers.

"For the first time, the ACCC has published data on common scams that are causing the most harm in Australia, which will be updated every month on Scamwatch. This tool will help you keep one step ahead of the scammers.

"Scams target people of all backgrounds, ages and income levels across Australia. There's no one group of people who are more likely to become a victim of a scam and all of us may be vulnerable to a scam at some time," she adds.

• Be alert to the fact that scams exist: When dealing with uninvited contacts from people or businesses, whether it's over the phone, by mail, email, in person or on a social networking site, always consider the possibility that the approach may be a scam. Remember, if it looks too good to be true, it probably is.

• Know who you're dealing with: If you've only ever met someone online or are unsure of the legitimacy of a business, take some time to do a bit more research. Do a Google image search on photos or search the internet for others who may have had dealings with them.

• Do not open suspicious texts, pop-up windows or emails – delete them: If unsure, verify the identity of the contact through an independent source such as a phone book or online search. Don't use the contact details provided in the message sent to you.

• Keep your personal details secure: Put a lock on your mailbox and shred your bills and other important documents before throwing them out. Keep your passwords and pin numbers in a safe place. Be very careful about how much personal information you share on social media sites. Scammers can use your information and pictures to create a fake identity or to target you with a scam.

• Keep your mobile devices and computers secure: Always use password protection, don’t share access with others (including remotely), update security software and back up content. Protect your WiFi network with a password and avoid using public computers or WiFi hotspots to access online banking or provide personal information.

• Choose your passwords carefully: Choose passwords that would be difficult for others to guess and update them regularly. A strong password should include a mix of upper and lower case letters, numbers and symbols. Don’t use the same password for every account/profile, and don’t share your passwords with anyone.

• Beware of any requests for your details or money: Never send money or give credit card details, online account details or copies of personal documents to anyone you don’t know or trust. Don't agree to transfer money or goods for someone else: money laundering is a criminal offence.

• Be careful when shopping online: Beware of offers that seem too good to be true, and always use an online shopping service that you know and trust.

Key features of the new Scamwatch website (www.scamwatch.gov.au):
• Types of scams (link is external) – The ACCC provides information on the most common types of scams in circulation in Australia, and collects and publishes data on these scam types.
• Report a scam (link is external) – If you think you've been scammed or know someone who has, report it to the ACCC using our report a scam page.
• Get help (link is external) – If you've been scammed there are steps you can take straight away to reduce the damage and prevent further loss. Find out what you can do to protect yourself, your business or your loved ones from scams.