Phishing Scams is one of the most dangerous online threats we face today. Hackers trick people by using fake messages, emails, and websites to get them to share personal information. You could easily lose your bank details, passwords or even your identity if you’re not careful.
This guide will teach you how to avoid phishing scams using real-life examples and expert tips.
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What is Phishing?
Cyberattacks such as phishing are a form of cyberattack in which criminals pose as a trustworthy source to steal sensitive information. They create fake messages, emails or websites that appear real. Once they have your personal information, the fraudsters will use it to steal your money or commit fraud.
Phishing tactics that are common
- Fake Emails: You receive an email which looks as if it is from your bank or PayPal. You are asked to click on a link or enter your login information.
- Hackers create fake websites that are identical to the real thing. They steal your password if you enter it.
- Fake SMS and Calls: Scammers pretend to be your bank or technical support, sending text messages or making calls. They request personal information.
- Social Media Phishing: You receive a message via Facebook, Instagram or WhatsApp which looks as if it was sent by a friend. The message includes a fake URL.
How to Recognize Phishing Scams?
Look for these warning signs to identify phishing scams:
Suspicious Email Addresses
Check the sender address, even if it looks like a real email. Scam emails may be slightly different, such as:
realbank.com – reallbank.com (extra “l”)
support@paypal.com – support@pay-pal.com
Get the latest urgent or scary messages
Phishers create panic. If you receive an email that says:
- Your account will be closed!
- “Urgent: Verify your account now!”
- Someone tried to hack into your account!
Be careful! Real companies don’t send out messages this scary.
The spelling and grammar errors are poor
Most phishing emails contain grammar errors or awkward language. As an example:
- Your account has been compromised. Please click here to confirm.”
- Your account has been compromised. “Please contact customer service.”
Fake Links (Hover Before You Click)
Hover your mouse over the link before clicking. You will see the real destination. Click only if the website matches that of the company.
www.paypall-security.com
Information Requested by the Public
Companies that are legitimate will never send you passwords, security codes, PINs or other information via email or text. Scammers will ask for passwords or PINs.
Too good to be true offers
Scammers offer prizes, free money, or lottery winnings. You can’t be a winner if you don’t participate in a contest.
How to avoid Phishing Scams
- Use Multi-Factor Authentication (MFA)
Hackers cannot access your account if they have your password. They will need a second step of verification, such as a code sent via SMS to your mobile phone.
- Update your software and antivirus regularly
Update your devices and antivirus software regularly. It will protect you from malicious websites and phishing attempts.
- Never Click on Unknown Links
Visit the official website rather than clicking on the link in an email.
- Verify before sharing information
Call the company to confirm if they ask for your personal information.
- Train yourself and your team
If you own a company, make sure to educate your employees on phishing. Many companies are hacked when an employee clicks on a fake website.
- Report Phishing Attactions
Report any phishing emails you receive to:
Google: reportphishing@google.com
PayPal: spoof@paypal.com
Your bank or IT department
Phishing scams in real life
Case Study: John’s Stolen Bank Details
John received an e-mail from the “Bank Security Team”, stating that his account had been locked. The email contained a link that led to a page that appeared real. John entered his username, and password. Few hours later, $5,000 had disappeared from his account.
What went wrong?
- John didn’t check the email of the sender.
- He clicked on a fake website.
- He entered his details before checking with his bank.
- Verify all personal information before entering it online!
Final Thoughts
Staying alert will help you avoid and recognize phishing scams. Check email addresses before clicking on links and take extra security measures such as multi-factor authentication.
Cybercriminals can steal your money and personal information if you don’t follow these tips. Keep yourself safe when you are online.
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Good luck!
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