Staying Safe Online: How to Spot and Avoid Phishing Scams and Fraud

As more older adults embrace the digital space, they face growing online threats, including phishing scams and fraud. Cybercriminals often target this demographic, who may be less familiar with the latest online security practices, through deceptive emails, messages, and fraudulent websites.

Recognising Phishing Scams and Fraud

Phishing scams and fraud are among the most common cyber threats targeting older adults. These scams often appear as emails or text messages from legitimate companies, such as banks, utility providers, or government agencies. They trick individuals into providing sensitive information, such as passwords or credit card numbers.

What to Look For in Phishing Scams

Be suspicious of emails or messages that ask for personal information, especially if they create a sense of urgency, such as claims that your account has been compromised. Look for warning signs like unfamiliar email addresses, misspellings, or requests to click on a link.

Tips for Avoiding Phishing Scams

Never click on links or download attachments from unknown senders. If an email seems suspicious, contact the company directly using a phone number or website you know is legitimate—never use the contact information provided in the suspicious email.

Fake Websites and Impersonation Scams

Some phishing scams involve fake websites designed to look exactly like real bank or service provider sites. These websites trick you into entering your login details, which are then stolen by the scammer.

Identifying Fake Websites

Check the website’s URL carefully. Legitimate websites will often have a padlock symbol next to the web address, indicating a secure connection. Be wary of misspellings in the URL or unusual website layouts.

Tips for Avoiding Fake Websites

Type web addresses directly into your browser rather than clicking on links in emails. This reduces the risk of being taken to a fraudulent website. Bookmark important websites like your bank or favourite shopping sites to ensure you visit the correct page.

Telephone and Email Fraud

Fraudsters sometimes use phone calls or emails to impersonate legitimate companies, charities, or even government agencies. They might ask for sensitive information, like your social security number, or pressure you into making a financial decision on the spot.

Spotting Telephone and Email Fraud

Be cautious of unsolicited phone calls or emails asking for personal or financial information. Scammers often pretend to represent reputable organisations to gain your trust.

Tips for Avoiding Telephone and Email Fraud

Never provide personal information over the phone or by email unless you initiated the contact. If you’re unsure, hang up and call the company directly using their official contact information to verify the request.

Fake Prize and Lottery Scams

A common scam targeting retirees involves fake prize notifications. You might receive an email or phone call claiming you’ve won a lottery or prize but must first pay fees or taxes to claim it.

Recognising Fake Prize Scams

Remember, legitimate lotteries and contests will never ask for payment to claim a prize. Be sceptical of any unexpected “winnings,” especially if you didn’t enter a contest.

Tips for Avoiding Fake Prize Scams

If you receive a message about a prize or lottery you didn’t enter, it’s likely a scam. Never send money or provide personal details in response to these types of notifications.

Protecting Your Personal Information

Once fraudsters have access to your personal information, they can use it to steal your identity, open accounts in your name, or make unauthorised purchases. Protecting your personal information is key to avoiding these types of fraud.

Monitor Your Accounts

Regularly monitor your bank statements and credit card transactions for any suspicious activity. If you notice any unauthorised charges, report them to your bank or credit card provider immediately.

Use Strong Passwords

Use strong, unique passwords for all of your accounts, and avoid using the same password across multiple websites. Consider using a password manager to store your passwords securely.

Seek Help from Trusted Sources

Don’t hesitate to seek help from trusted younger family members or friends when dealing with online safety or if something seems suspicious. They may be more familiar with the latest scams and can provide advice or assist in securing your accounts.

Staying Safe Online

Phishing scams and fraud are common threats that elderly persons must be vigilant against when navigating the virtual space. By learning how to recognise phishing scams, avoiding fake websites, and protecting your personal information, you can reduce the risk of falling victim to these schemes. Stay cautious, double-check suspicious communications, and always protect your personal details to keep your online experience safe and secure.

For more information on staying safe online, visit National Cyber Security Centre or Action Fraud. You can also explore resources on KYC Cleared for tips and insights on digital safety.