Fake CRA and Revenu Québec Refund Texts: How to Spot Them Before Tax Season 2027

Reviewed by IT Cares technicians · Updated November 5, 2026

Smartphone with a warning triangle on a navy desk beside a tax folder and calculator, illustrating fake CRA and Revenu Québec refund text scams
A refund you are really waiting for is the perfect disguise for a fake text.

Quick fix

  1. Do not click, reply or call back. Take a screenshot, then delete the message.
  2. Check your tax account by typing the official address yourself, not through the message.
  3. Already clicked or shared details? Jump to what to do step by step and call your bank first.

Why this matters before the 2027 tax season

Every winter, millions of Canadians file a tax return and then wait for money. That waiting period is exactly what scammers build their messages around. A text that says "you have a refund pending" lands on a phone that really is expecting one, and the odds of a click go up. Both the Canada Revenue Agency (CRA) and Revenu Québec publish warnings about this pattern, and the CRA's own scam-alert page was updated as recently as October 29, 2026 with a list of active fraud types.

This guide is built only from the agencies' own pages: the CRA's "Recognize a scam" and "Report a scam or identity theft" pages on canada.ca, Revenu Québec's pages on how to tell whether a communication is real and how to prevent phishing, and the Canadian Anti-Fraud Centre (CAFC) reporting page. We do not invent statistics, alerts or victim stories. Where we show an example, it is labeled as an illustrative scenario. If you are a Quebec resident, remember that you may deal with two tax agencies, one federal and one provincial, and scammers pretend to be either one.

This article is different from our other pages on the topic. If you already clicked on a text claiming to be the SAAQ, Revenu Québec or Desjardins, start with our article on fake SAAQ, Revenu Québec and Desjardins texts (French). For the Interac and SIN angle of a single fake CRA text, see our guide to the fake CRA text with a SIN and Interac refund. For parcel scams and holiday shopping traps, read the Black Friday and Cyber Monday survival guide. What you are reading now is the tax-season map: how the real agencies actually reach you, what they never do, a side-by-side table, and a full recovery plan if you already acted.

How the CRA really contacts you

The CRA says it may contact you by phone, automated message, letter or email. That list matters because it does not include text messages for anything except one narrow case. Here is each channel as the CRA describes it.

Phone and automated messages

On a live call the CRA may ask you for information to verify your identity, such as your name, date of birth or Social Insurance Number (SIN). It may also ask for details about your tax account, such as receipts, for tax returns you have not filed, or for financial information such as the name and location of your bank. If you owe a debt, the CRA may ask you to pay using its official payment options and may tell you about possible legal action to recover unpaid amounts.

The CRA can also use an automated phone system as a courtesy reminder, for example about filing a return, making quarterly instalments, or deadlines for a business with a new GST/HST account. Per the CRA, that automated system only delivers a message and does not include or ask for personal taxpayer information.

The key point: a call that matches "we need to verify who you are" can be real. A call that turns into a threat or a demand for an instant payment is not. We explain the difference in the red-flag section below.

Letters

The CRA sends letters about the same subjects as calls: identity verification, additional information it needs, unfiled returns, debts, a return under review, a notice of assessment or reassessment, or the start of an audit. The letter route is the slowest and the one scammers cannot easily imitate at scale, which is why a physical envelope is generally safer than a surprise text.

Email

The CRA says it only sends emails in three situations: you registered for email notifications and have a new message in your CRA account, you asked for a link, form or publication to be sent during a meeting or call with an agent, or you subscribed to an electronic mailing list. Emails from the CRA will not come from a specific named user, will not ask you to reply, and will not include a link asking you to enter personal or financial information.

Text and instant messages

This is the channel to remember. The CRA states that it only sends text messages for multi-factor authentication to its sign-in services, and only if you enrolled with the telephone option. It does not use text messaging or instant messaging apps such as Facebook Messenger or WhatsApp. So a text that says you have a refund waiting, a benefit to claim, or an error to fix is not a CRA communication, no matter how official the logo looks.

How Revenu Québec really contacts you

Revenu Québec lists, on its page "Comment savoir si une communication provient réellement de Revenu Québec?" (last updated September 28, 2026), what it never does. This is the most useful single page for Quebec residents, so we summarize it closely.

Revenu Québec also explains what it can do. Depending on your choices, you may receive an alert by email or text (or both) if something happens in your file and you accepted the updated terms of use of Mon dossier pour les citoyens, registered for the alert service, asked for alerts through customer service, or ticked box 10.3, 10.4 or 10.5 on your return. If you have an active collection file, it may phone you on behalf of the Government of Quebec and the agency lists the official numbers you can safely call back when a voicemail was left. At your request, it can send an access code by text or automated call to use Mon dossier through a sign-in partner, a verification code by email to validate your email address, or documents through a secure email service. Everything on that list happens because you asked or because you already have a file in progress.

One more detail from Revenu Québec's alert-service page, as shown in its search listing: its emails and texts never contain hyperlinks. We could not load the full page text on the day we checked, so treat that sentence as reported from the listing, and confirm it on the agency's page. It matches the agency's own prevention page, which suggests asking yourself whether you received "a text from Revenu Québec containing a clickable hyperlink" as part of deciding whether a message is genuine.

Two phone screens compared, one with a green shield for a safe official portal and one with a red warning triangle for a fake link

The fake messages the CRA itself is warning about

The CRA's "Recognize a scam" page lists active scam types and says what to do for each. We grouped them by how they reach you. Everything below is paraphrased from the CRA page as it stood on November 5, 2026. We are not adding our own alerts: if a scheme is not on the CRA or Revenu Québec pages, we do not claim it is circulating right now.

Refund and credit lures (text, email, phone)

"Your return has a problem" emails

Account takeover and identity theft

Phone threats and payment demands

Aimed at specific groups

Real versus fake: side-by-side table

Use this table when something lands on your phone. It only contains behaviours the CRA or Revenu Québec describe on their own pages.

SituationReal CRA or Revenu QuébecTypical fake
Refund notice by textNever. The CRA does not send refunds or payments by text or e-transfer; Revenu Québec never texts or emails that a refund is owed."You have a pending refund, click to accept."
Text message at allCRA: only multi-factor authentication codes, only if you enrolled. Revenu Québec: alerts or codes you requested.Unsolicited text with a link, a code, or "reply Y".
Email with a link to enter banking or SIN detailsThe CRA's emails do not include a link asking for personal or financial information. Revenu Québec never asks for SIN or banking information by email.Button saying "verify", "claim" or "download revised notice".
Payment demanded by gift card, crypto or prepaid cardCRA says it does not demand or accept these."Pay within 2 hours or a warrant is issued."
Threat of arrest or deportationThe CRA does not threaten arrest, deportation or prison.Aggressive tone, "legal action today".
Voicemail with personal detailsRevenu Québec never leaves a voicemail with confidential information; the CRA's automated reminders do not include personal taxpayer information.Voicemail quoting your SIN or an "arrest warrant".
Caller asks you to verify identityPossible on a real call (name, date of birth, SIN). If unsure, hang up and call the agency yourself.Caller refuses to let you hang up and call back.
Web addresscanada.ca or ending in cra-arc.gc.ca; Revenu Québec uses revenuquebec.ca.Look-alikes such as extra words, odd endings (.info, .su, .com) or hyphens in place of dots.
DocumentsMail by default at Revenu Québec; CRA tells you by email when mail is waiting in My Account.Attachment "to review".

Notice the pattern: the real agencies tell you something is waiting and ask you to go to the account yourself. The fakes put the action inside the message.

Illustration of a calendar, a phone with a warning shield, an envelope and a padlock representing tax season fraud protection

Red-flag checklist: ten seconds before you tap

Revenu Québec suggests four reflexes before acting on any odd message: verify that the request is authentic, do not act immediately, do not disclose personal information, and check whether the communication really comes from the agency. The checklist below turns that advice and the CRA's warning signs into something you can run through quickly. If you tick even one box, stop.

Stop if the message...

  • ☐ arrives by text or instant message and mentions a refund, credit, benefit or error on your account.
  • ☐ includes a link or button to "claim", "verify", "accept" or "download" something.
  • ☐ asks you to reply with a letter or word ("Y", "HELP").
  • ☐ asks for your SIN (NAS), banking details, passwords, passphrase or a confidential code.
  • ☐ sets a short deadline or says something will be cancelled, frozen or sent to court.
  • ☐ demands payment by Interac e-transfer, cryptocurrency, prepaid card or gift cards.
  • ☐ threatens arrest, deportation or prison, or uses aggressive language.
  • ☐ comes from a web address that is not canada.ca, cra-arc.gc.ca or revenuquebec.ca (check every character).
  • ☐ offers money that seems too good to be true ("new $2,000 relief payment").
  • ☐ asks for information the agency already has about you.
  • ☐ tells you not to hang up, or discourages you from checking with someone first.

What to do with a message that fails the checklist, per the agencies: do not click any link, do not open any attachment, do not reply, and do not call a phone number you cannot verify. Then report it (see the reporting section) and delete it.

Fake websites that look real

The CRA warns that fake sites can be very convincing and that checking the web address is the quickest test. Its page gives concrete examples of look-alike addresses: extra words (such as "cra-login-canada.com" or "cra-account-notice.info"), unusual endings (.info, .su, .com), or extra characters and odd abbreviations ("crra", "c-ra", "revagency"). Some fake addresses rearrange letters slightly, hoping you will not notice.

The official CRA website uses addresses that either start with canada.ca or end with cra-arc.gc.ca. The dot before ".ca" or ".gc.ca" matters: the CRA says scammers have tried hyphens instead, such as "-gc-ca". Short official addresses such as canada.ca/myaccount and canada.ca/cra-scam-alert also start with canada.ca. National police, crime-reporting and cybersecurity resources (rcmp.ca, antifraudcentre.ca, getcybersafe.ca, reportcyberandfraud.canada.ca, cybertip.ca) have their own addresses. Government websites do not contain non-government advertisements, so a sign-in page surrounded by ads is a warning sign.

The safest habit: type the address yourself

The CRA's advice is simple: type the official address directly into your browser rather than clicking a link in a text or email, and bookmark the official pages you use. The same goes for Mon dossier at revenuquebec.ca. A bookmark you created yourself is safer than any link someone sends you, because a link is a one-way trip to wherever the sender wants.

Also keep in mind that QR codes can hide the address entirely. If a letter, flyer or sticker asks you to scan a code to "claim a refund", read our explainer on QR code phishing.

Using My Account and Mon dossier as your source of truth

If a message claims something changed in your tax file, the safest answer is to check the account yourself. The CRA says you can verify what you hear by registering for a CRA account, using its secure channels, or contacting it directly. For notices of assessment, the CRA's scam alert tells you to look in your CRA account rather than download anything from an email. At Revenu Québec, Mon dossier pour les citoyens is the equivalent portal, and the agency's own checklist for suspicious messages starts with whether you are registered to it and whether your email address and cell number in your profile are current.

Why keeping your contact details up to date helps

Revenu Québec's alert service sends email or text only to people who opted in or whose profile meets the conditions listed above. If you have never signed up, any "alert" you receive that claims a refund or payment is automatically suspect, because that is something the agency says it never does by email or text. If you have signed up, you will recognize the alert style. Either way, you can log in yourself to confirm.

Protecting the account itself

The CRA lists a "keep your CRA account secure" page and warns about credential reuse: criminals test passwords stolen from other sites. Practical steps that follow from that:

How refund and direct deposit notices really work

Scam texts rely on a vague idea of how refunds arrive. Here is what the agencies say, and where we have to be careful about what we can and cannot claim.

We did not manage to open the CRA's direct deposit page on the day we wrote this, so we are not describing the setup steps in detail. Set up or change direct deposit only inside your account or in your tax software, never by following a message or a caller. When timing is uncertain, check the current processing times on the agency's own pages rather than trusting a number from a message.

I clicked, paid or gave my SIN: what to do, step by step

First, breathe. Being fooled is common, because these messages are designed by people who do it for a living, and the CRA itself says generative AI makes scam messages more convincing. What matters now is speed and order. The steps below combine the CRA's and Revenu Québec's reporting guidance with standard account-protection steps. Pick the section that matches what happened, and do the steps in order.

First 15 minutes, any scenario

  1. Stop all contact. Do not reply, do not call the number back, do not "cancel" anything through the same message.
  2. If you are on a call, hang up. Spoofed numbers can show a real agency's number on your screen.
  3. Take screenshots of the message, the number or address, the link and any payment receipts. Do not forward the link to others.
  4. From a different, trusted device if possible, go to the steps below.

Scenario A: you only clicked a link (nothing typed)

  1. Close the page. Do not enter anything on a second prompt.
  2. Run a security scan on the phone or computer. If a file was downloaded (the CRA warns the fake "revised notice" email may deliver malicious software), do not open it, and delete it. If the device behaves strangely afterwards, see our guide to signs your device or business was hacked.
  3. Change the password of any account you were already signed in to on that device, starting with email and banking.
  4. Report the message (see "Where to report" below). Clicking alone is still worth reporting, because the CRA says to report attempts even when you gave nothing.

Scenario B: you typed a password or banking sign-in on a fake page

  1. Call your bank or credit card issuer right away using the number on the back of your card or the bank's official app, not a number from the message. Ask them to lock or monitor the account and cards and to reverse any pending transfers they can.
  2. Change the password of that account from a clean device. If you reuse that password anywhere else, change it there too. This is exactly the credential reuse the CRA describes.
  3. Turn on multi-factor authentication where it is missing.
  4. If you typed your CRA or Revenu Québec credentials, sign in at the official site by typing the address yourself, change the password, and check for changes to banking, address and contact information. Contact the agency (see below) to have protections placed on your account.

Scenario C: you gave your SIN (NAS) or other identity details

  1. Contact the CRA. The CRA's page says you should contact it if you suspect your account was compromised, notice unauthorized changes, see a benefit application made without your consent, or want to disable online access. You can submit its online form, call, call the automated line, or fax Form RC213. For personal accounts the phone line listed is 1-833-995-2336 (Monday to Friday, 8:00 am to 4:00 pm local time; TTY 1-800-267-7622). For business accounts it is 1-800-959-5525. The CRA says protections can be placed on your account immediately during a call, and that a designated officer will contact you within 14 business days after an online, automated-line or fax submission. Confirm the numbers on canada.ca before dialing.
  2. Contact Revenu Québec. Its page says to reach the agency quickly if you think you were a victim of phishing or identity theft so it can add protection measures, and to report the situation to the Canadian Anti-Fraud Centre as well. It points to a dedicated "signaler une tentative d'hameçonnage ou un vol d'identité" page on its site.
  3. Report SIN misuse to Service Canada if you suspect or know someone is using your SIN: 1-866-274-6627, per the CRA page.
  4. Call the two credit bureaus, Equifax and TransUnion. The CRA tells victims to contact credit reporting agencies such as Equifax or TransUnion. Ask what protection options they offer (such as a fraud alert or file monitoring), review your credit report for accounts you do not recognize, and keep notes of each call. Go to their official sites, equifax.ca and transunion.ca, because options and fees change.
  5. Tell your bank, even if no money moved yet, because SIN plus date of birth plus address is enough for someone to try to open accounts or take over yours.
  6. File a police report with your local police and keep the report number. The CAFC says victims should contact their local police as soon as possible.
  7. Report to the CAFC online at reportcyberandfraud.canada.ca (anonymous reporting is possible) or by phone at 1-888-495-8501, Monday to Friday 10 am to 4:45 pm Eastern. Its page states that local police investigate while the CAFC keeps a central repository of information to assist investigations.
  8. Change passwords for email first (it is the key to resetting everything else), then banking, then government portals, then everything else, using a password manager.

For a longer recovery plan with documents to gather and Quebec-specific bodies, see our guide to identity theft recovery in Quebec (French) and the English identity theft recovery guide.

Scenario D: you paid money

  1. Call your bank or payment provider immediately. If you paid by Interac e-transfer, ask whether the transfer can be stopped or flagged. Speed matters, and results are not guaranteed.
  2. If you bought gift cards, keep the cards and receipts and contact the card issuer.
  3. If you sent cryptocurrency, note every address and transaction ID. See our crypto scam recovery article (French) for realistic expectations.
  4. File the police and CAFC reports above.
  5. Beware of recovery offers. The CRA warns that messages targeting people who already lost money promise to help recover it but really aim to steal more, usually by asking for a deposit or information first. Do not pay any fee to get your money back.

Our page on the fake e-transfer confirmation email shows how the other half of the Interac trick works, and it is useful if the scammers posed as a bank rather than the CRA.

Three illustrative scenarios (not real cases)

These are made-up examples to show how the checklist plays out. Names, amounts and timing are invented.

Illustrative scenario 1: the March text

"Marc" filed his return in late February and keeps checking his bank for the refund. On a Tuesday evening he gets a text with a government-style logo: "Refund of $412.50 approved, accept within 24 hours". He taps. A page that looks like his bank asks for his online banking sign-in. Nothing in the message passes the test: it is a text, it promises a refund, it carries a link and a deadline. The agencies say refunds are not sent by text or e-transfer. If Marc had closed the page, he would have lost nothing. Instead he typed his sign-in, so he follows Scenario B within minutes and his bank blocks the attempted transfer.

Illustrative scenario 2: the voicemail

"Nadia", 71, hears a voicemail: "This is the tax office, a warrant has been issued, press 1". She presses 1 and a man tells her to pay by buying gift cards. The CRA says it does not threaten arrest or ask for gift cards. Nadia hangs up. Her daughter looks up the CRA's contact page and calls the agency with the number printed there. The daughter also asks Nadia to share any similar call with her, which is the single most protective habit discussed in the seniors section below.

Illustrative scenario 3: the "revised notice" email

A freelance designer gets an email saying her return has errors and a "revised notice of assessment" must be downloaded within hours. She recognizes the pattern from the CRA's scam list, signs in to My Account by typing the address herself, sees no changes, and reports the email through reportcyberandfraud.canada.ca. Total time lost: five minutes.

Elderly person holding a phone at a kitchen table with a relative's supportive hand nearby, illustrating helping seniors with tax scams

Protecting seniors and relatives

The CRA specifically lists a scam aimed at seniors that claims extra payments are going to low-income older adults, with websites pointing to Telegram or WhatsApp groups. Phone threats are also a common route to older relatives. A few practices work better than lectures.

For ongoing help at home, our senior computer security article (French) covers wider habits, and IT Cares offers remote support for relatives who prefer to talk to a person.

The small-business angle

Business owners face the same lures plus a few of their own. The CRA's alert list includes an EFILE sign-in lure aimed at tax preparers and discounters, and the CRA has separate business-account contact lines for reporting identity theft (the business line is listed as 1-800-959-5525). A few specifics for a small company or a self-employed worker:

Tax season 2027: what to expect and what to do now

We did not find a dated November 2026 alert from the CRA, Revenu Québec or the CAFC announcing a specific new campaign, and we are not going to invent one. What we can say, from the agencies' pages, is that the CRA's list of active scam types was last modified on October 29, 2026, and that the patterns on it (refund lures, credit lures, fake notices of assessment, spoofed calls) are the same ones to expect when returns are being filed. Filing dates for the 2026 tax year are published by the CRA and Revenu Québec, so check their pages for exact opening and deadline dates rather than relying on a message that mentions one.

Before filing season: 10-minute prep

  • ☐ Sign in to My Account (CRA) and Mon dossier (Revenu Québec) by typing the address yourself. Bookmark both.
  • ☐ Confirm that your email address and cell number in each profile are current.
  • ☐ Change each password to a unique one and turn on multi-factor authentication.
  • ☐ Check your banking, address and contact details in both portals for changes you did not make.
  • ☐ Save the official reporting links: reportcyberandfraud.canada.ca and the CRA "report a scam or identity theft" page.
  • ☐ Tell family members who help with taxes the "no refund by text" rule.
  • ☐ If you use a tax preparer, ask which channels they use to contact you and agree on them in advance.

Remember that scammers do not need a tax message at all. Fake delivery texts and parcel notices get more common as the holidays approach; our guide on fake delivery text scams covers that side, and our overview of smishing explains why text messages are such a popular channel. For AI-written email lures that avoid the old typo giveaways, see how to spot AI-generated phishing emails. The CRA itself says scams may contain typos and fuzzy logos but that generative AI lets scammers produce more realistic copies, so a clean-looking message proves nothing.

What it costs: DIY versus paying for help

Everything in the steps above is free to do yourself. Reporting to the CRA, Revenu Québec, Service Canada, the CAFC and the police costs nothing. Contacting the credit bureaus: ask what each option costs before agreeing, since the plans and fees are theirs to set. The real cost is time and, if you sent money, the amount lost, which is why the first call to the bank matters more than any tool.

TaskDo it yourselfWhen a technician helps
Reporting and agency callsFree, 1 to 2 hoursNot needed
Password and MFA reset across accountsFree, 1 to 3 hoursIf you do not know where you reuse passwords
Checking a device after a risky downloadFree built-in scanIf the device is slow, shows pop-ups or you entered a password on a malware page
Setting up a password manager and MFA for the familyFree options existA single guided session for non-technical relatives

If you want a technician to go through your devices and accounts with you, IT Cares offers a single 119.99$ CAD, 60-minute Expert Consultation by remote session.

Official resources and where to report

When to call a pro

You can handle most of this alone. Call us if you entered a password on a fake page and are not sure which accounts share it, if a device is acting strangely after a click or download, if a parent's phone or email seems taken over, or if you simply want someone to check your setup before tax season. We work remotely across Canada and on site in Quebec, and we will not ask for your SIN, banking details or tax information. Our line is 1 (888) 711-9428.

Still stuck? Get a technician on it now

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Frequently asked questions

Does the CRA send refunds by text message or e-transfer?
No. The CRA's Recognize a scam page says it will not send refunds or payments by e-transfer or text message. Revenu Québec likewise says it never notifies you by email or text that a refund is owed or that a payment or transfer was made.
Does the CRA ever send text messages?
Only for multi-factor authentication to its sign-in services, and only if you enrolled with the telephone option. It does not use text or instant messaging such as Facebook Messenger or WhatsApp for anything else.
What does Revenu Québec never ask for by email or text?
Your SIN (NAS), banking information, a password or passphrase, a confidential code or any other personal information. It also never leaves voicemail containing confidential information.
How can I tell if a tax website is fake?
Check the address. The official CRA site starts with canada.ca or ends with cra-arc.gc.ca. Fake sites use extra words, odd endings such as .info or .su, strange spellings, or hyphens in place of dots. Best practice is to type the address yourself or use a bookmark.
I clicked a link in a fake CRA text but typed nothing. Am I safe?
Probably, but close the page, run a security scan, delete any downloaded file, change passwords if you were signed in to important accounts on that device, and report the message. The CRA says to report attempts even when you gave no information.
I gave my SIN to a scammer. What do I do first?
Contact the CRA (and Revenu Québec if the scam used their name) so protections can be placed on your account, call your bank, contact Equifax and TransUnion, report SIN misuse to Service Canada at 1-866-274-6627, file a police report and report to the CAFC. The step-by-step list is in this guide.
Where do I report a fake CRA or Revenu Québec message?
Report online at reportcyberandfraud.canada.ca or call the Canadian Anti-Fraud Centre at 1-888-495-8501. If you gave information or notice changes on your account, also contact the CRA or Revenu Québec directly, and your local police if you lost money or identity details.
What if I paid with gift cards, crypto or Interac e-transfer?
Call your bank or the card issuer immediately, keep receipts and transaction details, file a police report and a CAFC report. Do not pay any fee to anyone offering to recover the money; the CRA warns such offers are another scam.
Is a phone call from the CRA always fake?
No. The CRA may phone to verify your identity, ask for documents or discuss a debt. But it does not threaten arrest, demand gift cards or cryptocurrency, or pressure immediate payment by e-transfer. If unsure, hang up and call the CRA on a number you find yourself.
Can scammers spoof the CRA's real phone number?
Yes. The CRA says scammers may spoof a local number, a police number or even the CRA's own number. That is why it advises ending a suspicious call and calling an official number yourself.
How do I protect an older parent during tax season?
Agree a simple rule that refunds never arrive by text, write official numbers on a card by the phone, encourage hanging up, offer to check the account together, and make sure they can tell you about a suspicious message without feeling embarrassed.
Are the new benefit payments I see online real?
The CRA says there is no new $2,000 relief payment by direct deposit, no $680 rent support payment, no $533 inflation relief and no $3,900 one-time payment. Check benefits only on canada.ca or your province's official pages.
Do small businesses face different scams?
Yes. The CRA lists an EFILE sign-in lure aimed at tax preparers and GST/HST related contacts for businesses. Use the CRA's business account line for reporting identity theft and keep a verified contact sheet. Business email takeover is another common path.

Sources and official references

Last verified: November 5, 2026

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