New Zealand's reporting system is compact and reasonably well coordinated. The main practical risk is people reporting to only one body and assuming that covers everything.
Your bank, first and fast
Call the fraud line immediately and ask for a recall attempt on any transfer. New Zealand banks have improved coordination on scam payments considerably, but the window in which funds remain recoverable is still measured in hours. Get a case reference.
CERT NZ
cert.govt.nz is the central channel for cyber security incidents and online scams. A useful feature of CERT NZ is triage: it routes reports to the appropriate agencies, including Police where a crime has occurred, so a single report reaches the right places. It also publishes practical guidance and current threat advisories.
Netsafe
Netsafe provides support for online harm, including scams, harassment, and image-based abuse. It is an independent non-profit and is a good first call for individuals wanting practical, non-technical help with what to do next.
New Zealand Police
Report on 105 for non-emergencies, or 111 if there is immediate danger. A police report provides a reference number frequently needed by banks and insurers. For cross-border online fraud, expect the same limitations on individual investigation that apply worldwide.
The Financial Markets Authority
The FMA maintains a register of licensed providers and publishes warnings about suspected scams and unregistered firms operating in New Zealand. Check both before any investment, and verify contact details from the register rather than from the firm.
Escalation and identity support
If your bank declines a claim and internal complaints do not resolve it, the Banking Ombudsman Scheme is free and independent. For identity compromise, IDCARE provides free case-managed support across New Zealand and Australia.