My latest one this morning was "important private document". I don't click to open them, I right click and go to the message source which shows whats written in there without opening it. It wantedme to open an attachment. Got one the other day from I think telstra. The wording was a dead giveaway and it came from Germany somewhere. 

I had one from Telstra telling me I'd  paid my account twice, and to follow the link,  put in my credit card details to get a refund.  (I didn't )

Ironically, I'd  paid my account only a few hours before.  

It looked very genuine and I wonder how many people get caught!!