Fraud Guide

How to Identify a Scam Email or SMS

Smiling woman on her cellphone looking at her laptop

Not all scams are obvious. They could be disguised as an email or SMS from a well-known brand. At a glance, it may be hard to spot the difference between a message from a company you know vs. one from a scammer.

At DirectAxis, we want to help you become more aware of financial fraud and how to spot fraudulent communication so you can avoid being taken in by scammers.

To protect yourself from falling victim read our how to spot and avoid a scam and take a look at these examples of fraudulent DirectAxis emails and SMSs that have been in circulation.


No matter which company you receive communication from, whether email or SMS always be on the lookout for anything unusual. Read through our scam advice for more information. 

To report a suspected scam or fraudulent communication, please email us at We follow up on every report and take every step we can to ensure your safety.



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DirectAxis is a business unit of FirstRand Bank Limited, an Authorised Financial Services and Registered Credit Provider, NCRCP20. Direct Axis SA (Pty) Ltd, Reg no. 1995/006077/07, an authorised Financial Services Provider, FSP7249 & FSP5. 108 De Waal Road, Diep River 7800.

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Loan repayment terms range from 24 to 72 months. The maximum interest rate with regards to a DirectAxis Personal Loan is 24.50% per annum (compounded monthly). Your rate and initiation fee will be determined according to your personal risk profile.

An illustrative example of a loan at an interest rate of 24.50% per annum would be: Loan amount R50 000 plus a once-off initiation fee of R1 207.50 and a monthly admin fee of R69.00, over 72 months.

The total cost of the loan will be R 103 155.57 which is a maximum Annual Percentage Rate (APR) of 27.76%.