WHAT TO WATCH OUT FOR
Be wary of emails (phishing), SMSes (smishing) or actual phone calls (vishing… Yes, we know) that appear to come from a source you trust – like your bank – asking you for personal information. Scammers will usually be looking for your ID number, password, PIN or other banking details, and will try to make you feel rude or ridiculous for not giving them the information they want. Don’t fall for it! Fraudsters often know just which psychological buttons to push.
If you’re sent a one-time password (OTP) when you’re not busy with online banking, it usually means someone else is using your banking credentials. Don’t give those digits to anyone over the phone! Contact your bank at once and tell them you think your security has been compromised and why – but don’t give even them the OTP.
Any email from ‘your bank’ that asks you to click on a link to access the site is dodgy. The link can take you to a fake site that looks like your usual landing page and trick you into inserting information, which is then extracted by fraudsters. Instead, always type the website address into the browser’s search bar, and make sure you’re using a secure website that contains ‘https’ and has a padlock icon in the address bar.