The Maitland woman lost almost $20,000 in the first scam, in which a person contacted her by phone claiming they were from Telstra.

She was first contacted on February 7 and told to transfer money into a bank account.

The offender gained access to the woman’s computer remotely and even helped her set up internet banking to swindle money from her.

A total of four transfers were made from the woman’s account between February 7 and 12 – each transaction roughly $5,000.

Police said the woman made the first deposit herself before the scammer gained access to her accounts and transferred the rest.

The woman was then contacted by the same person or someone associated on March 3.

She was told if she ever wanted to see the $20,000 again she would have to buy $3,000 worth of iTunes gift cards.

The woman told her family, who contacted police.

Maitland Police officer in charge Chief Inspector Glenn Blain said police were under the impression the calls were made from an overseas line.

Inspector Blain urged people to be vigilant with who they are deal with over the phone and online, particularly when discussing finances or bank details.

Telstra is aware of these sorts of scams and advised people not to share personal information, credit card or account details over the phone. The company does not call customers for a service or technical matter unless contacted by the customer first.