Bank customers beware is a frequent message this summer as a number of organisations urge New Zealanders to watch out for financial scams.

However, one BNZ customer who lost his savings says banks should be doing more to protect people.

It looked like a simple email from his bank and Sam Clayton did not hesitate to respond.

In a flash, $41,000 was stolen from his BNZ account.

"I logged into my BNZ and I just saw half of these accounts were just empty."

$5000 here, $2000 there, to a variety of different names and accounts.

Money from recently selling the family home, as well as savings from his two-year-old son's account, all gone.

"It seems like these scams are going on quite often, we're pretty much in a position where we don't know where to go from here."

While about $15,000 quickly bounced back, he was still out of pocket by $26,000.

To make matters worse, he has not heard from the bank in more than a month.

"How easy is communication in this day and age?" he asks.

BNZ says unfortunately, because Clayton gave the scammers the code, which gave them access to his account, the bank is unable to return a large part of his stolen money.

In a statement to RNZ, BNZ corporate affairs manager Cliff Joiner says in these instances, the money is impossible to get back.

He says BNZ will never ask for customers' passwords nor send an email or text message with a link asking customers to click to log in.

Sending a hyperlink is a common tactic used by scammers, cybersecurity agency CERT NZ's incidence response manager Jordan Heersping says.

"Most cyber attacks these days are financially motivated, and we'll see lots of scam and phishing attacks that are focussed on getting into people's bank accounts and taking control of their finances," Heersping says.

But there are several ways people can keep themselves and their money safe: Making use of strong passwords and not giving them to anyone you did not trust completely, and setting up valid two-factor authentication for all accounts.

Too little, too late for Clayton, who was still pushing BNZ to refund the remaining balance.

He says banks need to put effort into guiding customers away from scams, rather than leaving them in the dark.

Meanwhile, the Bankers Association has launched a "take a sec to check" campaign, to alert people about how to prevent getting scammed online.

-Finn Blackwell/RNZ.