How to spot a bogus email or “phishing” attack

There are many dodgy emails we receive in our inboxes. Often, they appear to come from a bank, PayPal or even the police. Typically, they ask us to click on a link to update our details. Often, they warn of dire consequences if we fail to obey. They will close our account, it will cost us money, the police will come knocking on our door!

This is quite scary for people, so I will give 4 pointers on what to look for to detect genuine emails from the fraudulent ones.

First rule: trust no-one. I mean an email that comes in, even from a friend, might have been initiated by a virus on your friend’s computer.

Second rule: Is the message using your full name? I received a few messages claiming to come from banks or PayPal, but start “dear customer.” If it really is your bank or PayPal account, they will address you by name.

Third rule: Were you expecting an email from said organisation? If you signed up for an account a minute earlier, then you would expect it. If it turns up out of the blue, put your cautious hat on.

Fourth rule: Don’t click on links if you can help it. If it claims to be from one of your accounts, instead of clicking the link, why not just log into PayPal (or whatever site) the way you usually do, by going to their website via your favourites/bookmarks.

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