Stay Safe Online and Offline
Although fraud and cybercrime come in many forms, there are some simple steps you can take to protect yourself.
- Verify before you share: Do not give any personal information (name, address, bank details, email, or phone number) to organisations or people before verifying their credentials. Always question unsolicited calls, texts, or emails requesting personal or financial information. Instead, contact the company directly using a known email or phone number.
- Keep your software up to date: Make sure your computer has up-to-date antivirus software and a firewall installed. Set your browser to the highest level of security to prevent malware issues. Always install the latest software and app updates, and enable two-factor authentication (2FA) where possible.
- Be cautious of phishing emails: Banks and financial institutions will never ask you to confirm your details via email links. Do not click unexpected links or attachments. Always type the official website address manually or use contact details from official correspondence.
- Use secure online payment systems: Sign up for Verified by Visa or MasterCard SecureCode when shopping online. Always check the website address to ensure you are on the correct site.
- Monitor your credit file: Regularly check your credit report for unusual activity. Services like Experian, Equifax, ClearScore, and Noddle can help. Consider identity protection services like ProtectMyID to receive alerts for suspicious activity.
- Destroy personal information safely: Shred receipts and post containing your name, address, or financial details. Fraudsters can use minimal information to clone your identity.
- Be alert to unusual bills or contacts: If you receive bills, invoices, or messages for purchases you didn’t make, take action immediately — your identity may have been stolen.
- Question too-good-to-be-true offers: Be wary of unexpected offers, emails, or calls promising amazing deals or investment opportunities. Genuine organisations will not pressure you into quick financial decisions.
- Beware of recovery fraud: Fraudsters sometimes pose as lawyers or law enforcement officers offering to help you recover lost money — only to scam you again. Always verify before responding.
- Need help? Contact Action Fraud for advice or to report a cyber crime or fraud attempt.