How to spot and avoid online scams
We live in a digital world, which makes it easier than ever to manage our lives completely online. But unfortunately, that ease of access to services also opens the door to serious scams. It’s important to understand the types of scams that pose a risk and how to spot them so that you can keep yourself safe online.
Staying safe online
Firstly, always ask yourself if the message or website feels right. Instinct can go a long way in keeping you safe. If an email or text claims to be from your bank, for example, but includes typos or an odd URL, it’s worth stopping to check it out properly.
Remember that legitimate organisations will never pressure you into making quick decisions. If someone demands your personal information immediately, it’s a red flag. If you’re in any doubt, take a moment to step away and contact the organisation directly using a verified phone number or official website.
Be wary of unsolicited requests for personal or financial information by email or social media. A free prize, an urgent warning, or a too-good-to-be-true deal are common tactics that scammers use. If it feels off, it probably is.
Top tips to remember:
- don’t click on links in unexpected emails or texts
- don’t share your passwords, PINs or banking details with anyone
- don’t be rushed into making a decision. Scammers often create false urgency
- don’t download attachments from unknown senders
- don’t trust messages just because they use an official logo or name
- don’t pay for goods or services by bank transfer unless you are 100% sure of the recipient
- don’t assume a phone call is genuine because the number looks familiar. Numbers can be spoofed!
- don’t overshare personal details on social media. Scammers use this to guess security questions
- don’t ignore your instincts. If something feels wrong, it probably is
Finally, keep your phone and computer secure with up-to-date security software and protections in place. Being alert online means you are giving yourself the best chance to avoid scams. Stay informed, ask questions, and reach out for support if you need it.
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