Scams and frauds use urgency, trust and convincing stories to obtain money or personal information. Slow down, verify the request independently and act quickly if something has already been shared or paid.
Pause before clicking a link, sharing information or sending money. Do not let urgency or pressure make the decision for you.
Check
Verify the person, organisation and payment details using an official website or a trusted phone number—not the details in the message.
Report
If you may have been targeted, preserve the messages and report it. If money was sent, contact your bank and the Police immediately.
Messages, links and payments
Practical checks before you click, share information or send money.
Scammers may impersonate banks, government agencies, businesses, colleagues or people you know. A familiar name, logo or caller ID is not proof that a request is genuine.
Verify the sender or caller
Check the full email address, phone number and account name. Be cautious when contact is unexpected, even if the display name looks familiar.
Avoid unexpected links and attachments
Do not open a link or attachment you were not expecting. Hover over links to inspect them, but remember that convincing look-alike addresses can still be fraudulent.
Use official contact details
Go directly to the organisation’s official website or call a publicly listed number. Do not use the contact details supplied in a suspicious message.
Protect passwords and security codes
Never provide passwords, PINs, card security codes or one-time verification codes in response to an unexpected call, email, text or social-media message.
Confirm changes to payment details
Verify new or changed bank-account details by speaking with the intended recipient on a trusted number, especially before unusual or high-value payments.
Do not allow unexpected remote access
Never install software or give a caller control of your phone or computer unless you independently requested support from a trusted provider.
Common warning signs
Be especially cautious when several of these appear together.
Scams take many forms, but the methods used to create pressure, obtain information and direct payments are often similar.
01
Unexpected contact
Someone contacts you first with an opportunity, problem or request for money or sensitive information.
02
Pressure, urgency or secrecy
You are told to act immediately, keep the arrangement secret or avoid checking with someone you trust.
03
Requests for sensitive information
Someone asks for passwords, PINs, card details, identification documents, login credentials or verification codes.
04
Guaranteed returns or rewards
An investment, prize, loan or opportunity promises unusually high returns with little or no risk.
05
Pay first or use an unusual method
Fees or taxes must be paid before a reward is released, or payment is requested through cryptocurrency, gift cards, personal accounts or money-transfer services.
06
Suspicious digital clues
Look-alike websites, unexpected attachments, generic email addresses, unusual wording or spelling mistakes can indicate impersonation or phishing.
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