ASIC MoneySmart
Businesses operating without a licence, impersonating legitimate firms, or running suspected investment scams. Matched on their names, websites and known bank accounts.
Scam Defence
Scam protection for you and the people you trust
Custodio is an Australian app that learns what is normal for your money, checks every transaction against national registers, and alerts you, and optionally a family member or friend, when something looks out of character.
Free for 60 days
No credit card required
Cancel anytime
Try free for 60 days
Learn
Learns what normal looks like across every bank you connect
Detect
Flags unusual payments and the rules you set, and checks transactions against national registers
Alert
Tells you, and optionally someone you trust, so you can step in early, together
How do I defend myself and those I love from scams?
Have you ever feared that your loved one is at risk from a scam and worry about how to protect them?
Scams are not slowing down. They are evolving.
AI-driven, industrial-scale operations are making scams faster, slicker and harder to spot.
$2.18B
lost by Australians to scams in 2025, up 7.8% on the year
NASC Targeting Scams Report, 2025
481,523
scam reports in 2025: fewer reports, yet bigger losses
National Anti-Scam Centre, 2025
$837.7M
lost to investment scams, still the #1 category
NASC, 2025
26.5%
of all losses borne by Australians over 65, just 17% of the population
NASC, 2025
How you are protected
Introducing Custodio
Scam protection for Australians, and the people who look out for them.
- Learn what normal looks like, across any of 116 banks
- Detect unusual payments, and check them against national registers
- Alert you, and your guardian if you choose
- Act together with someone you know
Also included Set your own alert rules A regular feed on the latest scams
Try Custodio free for 60 days
No credit card required
Cancel anytime
What we do
Today, there is no easy way to prevent an individual from falling victim to and then making a scam or illegitimate payment
Current strategies fail to address individual needs, leaving individuals and the vulnerable hesitant to seek help from institutions due to shame, guilt and fear.
Family, friends, and trusted caregivers could play a crucial role as guardians, stepping in to assist and help address a scam before the damage is done, but they rarely become aware until too late.
See how guardians work
Better awareness and tools could empower and directly support individuals and those guardians who care against the ever-evolving threat of scams and save billions lost to scammers.
National registers
Checking transactions and payments
We check the details of transactions and payees, including the description, merchant, payee, BPAY biller, PayID, account number and NPP payment details, against published national registers, so a possible match is flagged.
ASIC
Banned and disqualified organisations, companies that are deregistered, struck off or in administration, and new companies or business names you are paying for the first time.
ACMA
Gambling websites blocked under the Interactive Gambling Act.
ACNC
Charities whose registration has been revoked, or that have an enforcement outcome recorded.
AI and scams
Scams no longer look like scams
For years the advice was simple: look for the spelling mistakes, the odd email address, the offer that is too good to be true. AI has taken those clues away. Today’s scams are polished, personal and made at a scale no one can keep up with on their own.
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They look real
A cloned bank website. A well-known face recommending an investment. A voice on the phone that sounds just like your grandson. AI can make a convincing fake in minutes.
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They feel personal
Scammers draw on data breaches and social media, so the message knows your name, your bank and what you bought last week. It does not feel like a stranger. It feels like someone who knows you.
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They never stop
One scammer with AI can run thousands of conversations at once, day and night, learning what works and coming back with something new. You only have to miss one.
What AI now makes for scammers
Awareness still matters. It is just no longer enough.
Even careful, switched-on people get caught, because the scam is built not to look like one. So Custodio does not rely on you spotting it. We watch the place every scam has to end up: your money.
- Monitoring, every few hours Your accounts are checked against detection rules, scam intelligence and what is normal for you.
- You get an alert Explained in plain language, so you can stop and check.
- Someone you trust, if you choose Add a family member or friend as a guardian and they are alerted too, so you are never working it out alone.
Breach response
Your data gets leaked. Watch what happens next
Data breaches and leaks have become routine in Australia. The risk does not end with the notification letter or email, it starts when someone uses what they took. Custodio watches the accounts that matter, so an out-of-character payment gets noticed early.
If your data has been leaked
- You cannot un-leak your details, but you can watch the accounts hackers and scammers could reach
- Connect your banks securely through the regulated CDR, without sharing your banking login
- Add a guardian, so someone you trust sees the alert as well
- Start free for 60 days. No credit card, cancel anytime
If your customers’ data has been leaked
- Offer affected customers real monitoring, not just a notification
- Onboarding built for affected cohorts, at the scale you need
- Cohort reporting, so you can evidence the support you provided
- White-labelled, so it arrives as care from you
Confident and Safe
Your data is regulated, protected and used only to help keep you safe
Watch CDR videoScams and News
The latest about Custodio and scams in the market
Read moreExperienced Team
Leaders in banking, payments, cybersecurity, and supporting the vulnerable
Meet the team
Case Study
Co.As.It. is providing Custodio to its members
Co.As.It. is putting Custodio in the hands of the members it supports, so an out-of-character payment is flagged early, protecting them from the threat of scams.
Established in 1968 and based in Leichhardt, Co.As.It. is a not-for-profit and the leading Italian community organisation in Australia, providing aged care and community services.
Checked and assessed externally
Two external firms examined and assessed Custodio on privacy and cybersecurity.
Privacy Impact Assessment
“Lockstep found no serious adverse privacy risks … Custodio’s design is strongly privacy preserving.”
Lockstep Consulting · July 2026
Penetration Test
“Overall, the security posture of the tested environment was found to now be very good and aligned with security best practice standards.”
WellSecurity · May 2026