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Staying safe online

Since the first lockdown of the pandemic, we’ve grown increasingly comfortable conducting our lives online. But should we be?

For many of us over the last couple of years, being able to socialise and shop online have been a lifeline. But the shift from cash to digital transactions has also proved a boon for scammers.

UK Finance reports that impersonation fraud has almost doubled to nearly 40,000 reported cases over the last year. This is where criminals pretend to be a legitimate company and get in touch asking for personal information from you, including your bank details.

Examples include text messages pretending to be from Royal Mail asking you to click on a link and enter your bank details so you can pay additional postage or delivery fees. If you received that text and were actually expecting a delivery, how easy would it be to assume that message was genuine?

While some links in emails or text messages take you to websites that ask you to make payments, clicking on others installs hidden malware on to your device that can steal your passwords, giving criminals access to all areas of your life, including your bank account.

While banks are working closely with the police to beat online fraud – together they managed to stop £45.3 million of fraudulent transactions leading to over 200 arrests in 2020 – you must still be vigilant.

Always think before you part with money or personal information online. If someone you’d just met in real life asked you to invest in the same thing, would you believe them? Be just as circumspect online. And, remember, it’s OK to reject or ignore any unsolicited requests – only criminals will try to rush or panic you.


  • Safety tips
  1. Don’t click on links in text messages or emails – check URLs online to see if they’re genuine
  2. Contact companies directly using a known email or phone number
  3. Forward suspicious emails to report@phishing.gov.uk
  4. Forward suspicious texts to your mobile network provider
  5. Never give remote access to your computer following an unsolicited call or text
  6. And finally, if you think you’ve been a victim of fraud, call your bank immediately and then file a report with Action Fraud at reporting.actionfraud.police.uk



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