Cyber Security.

‘Phishing’ is where fraudsters send emails (often appearing to be from your bank) asking you to disclose personal information or send money. Phishing emails will typically try to get you to download a file or click on a link to a bogus website, which may then allow fraudsters to access your details.

Phishing emails often have tell-tale signs, such as being addressed to a generic 'Sir/Madam', or they ask you click on a link or download a file. These emails might arrive unexpectedly, or contain spelling or grammatical errors. It's also worth double-checking the sender's email address to see whether it looks legitimate.

Voice + phishing = vishing. 'Vishing' is where fraudsters call you on your home or mobile phone, pretending to be someone else, and ask you to share your personal details. An example might be a call from someone claiming to work for your bank, asking you to validate your identity by sharing your bank account details – because they say there's been a problem with your account.

The only time you'll ever need to provide your password in full is when you log in to your bank account online. Your bank will never ask you for your password or PINsentry code over the phone or in an email. Be aware – fraudsters might try to get your PINsentry code, as it could allow them to make payments from your account.

SMS + phishing = smishing. 'Smishing' is where you receive a text message asking you to do something, like updating your details, by clicking on a link or calling a specific number.


Fraudsters may contact you via phone or email, pretending to be from your internet provider, asking permission to take control of your computer to resolve an issue. This could allow them to access your personal details, or they could even ask you to log in to online banking where they could send money from your account.

Be wary of unexpected requests to install software on your computer, which can allow fraudsters to take control of your machine without your knowledge. Avoid letting anyone you don't know have access to your computer, especially remotely.

Fraudsters will often look on Social Media sites to piece together information about individuals – such as their age, address and other personal details. To stay digitally safe, you should always choose strong passwords, keep social media accounts set to private and avoid sharing your location online. Remember never to share your passwords with anyone – even if it's someone you trust.

Make sure you choose a Username that doesn't give away any details about yourself. john_smith1990 looks like a username that reveals its owner's first name, surname and year of birth – all information that can be used by fraudsters.

Fraudsters might try to play on our Emotions; pretending to be a friend in need could trick you into making a quick decision to transfer money. If something like this happens to you, be sure to speak to your friend – so you can be confident the request is genuine.

You should never be rushed into making a decision when it comes to your money.

You should be wary if you're asked to click a link in a Text Message, as this is often what fraudsters do. It's always best to be cautious – if in doubt, check to see if the number is legitimate, or call your bank from a different phone to the one receiving the text. If you’re unsure of a phone number, use a number that you have used before &know is genuine.

Golden Rules

  1. Never give out your PIN entry codes, Mobile PIN entry codes, passcodes or passwords to anyone – even a caller claiming to be from the police or your bank.

  2. Don’t click on any link or open any attachments from an unsolicited email.

  3. Avoid letting someone you don’t know have access to your computer, especially remotely (not face-to-face).

Trojans are viruses that enter a computer with other software. They can capture keystrokes and take screenshots, posing a threat to the customers who are logging into a financial institution’s website or mobile app.

So makes sure your virus protection & firewalls are as good as they can possibility be.

Beware of Invoice Fraud, where a company receives a fake bill for goods and services that haven’t been ordered or received.

Or a Regular Supplier tells you by email that their bank account details have changed.

Always speak to the accounts office before amending any bank payment inforamtion.

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