How to stay safe online

Impersonation scams

This is when someone pretends to be from your business or charity, to steal money. They do this by asking you to make an urgent payment for them. If a message asks for an urgent payment, always call the sender in person to make sure it’s real. Use a number you trust and not one from a message.

Remember – always double check the sender is real.

Malware (viruses)

Fraudsters can hide a ‘virus’ in a message attachment or link. This can then infect your device. A virus slows your device, and the fraudsters use it to steal your details and money.

Here are two of the main types to watch out for:

Spyware

Some types of spyware will take your device over; others will monitor your movements. It can often come from following links or opening attachments that you weren’t expecting. But even if you pay, you might not get access to your computer back. Only follow a link or download a file if you know and trust the sender or website you’re on.

Ransomware

Here, the fraudsters want to make money by interfering with your device in some way, then asking for payment to fix the issue.

Links to fake sites

Some scam messages use a link that takes you to a fake site. The site will then try to steal your details. Only follow a link if you know and trust the sender. If the website you’re using looks odd in any way, don’t log on or enter any details or passwords. It could be a fake site, or your device may have a virus.

Remember – think before you follow that link. If in doubt, move away from sites you don’t trust.

Top tips to keep safe online

If you’re not sure if a message or website is a scam, here are a few things to look out for:

• Bad spelling - Check for minor spelling mistakes in email addresses. For example: ‘Lloids Bank’ instead of ‘Lloyds Bank’
• Messages out of the blue - Even if you know the sender, be careful with a message that you didn’t expect
• Links or attachments in a message - Only select these if you’re sure it’s safe
• Details wanted - Real companies or people will never message you to move money, or for banking or personal details
• Double check the sender is real - If you get an urgent request to make a payment or change payment details, check. It might be a scam. Always double check it’s real by speaking to them in person, or by calling them on a number you trust
• Anti-virus software - Always use it to protect your devices

Simple first steps

The first thing to do is report it to Action Fraud on 0300 123 2040 or online at http://www.actionfraud.police.uk. In Scotland, you can contact Police Scotland on 101. Once you’ve done that, you should try to take steps to stop further damage. If the fraud affects your bank account, you should contact your bank straight away.

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