The Take Five campaign has provided some tips and advice to help spot fraudulent messages.
A genuine bank or organisation will never contact you out of the blue to ask for your PIN, full password or to move money to another account.
Only give out your personal or financial details to use a service that you have given your consent to, that you trust and that you are expecting to be contacted by.
Never automatically click on a link in an unexpected email or text.
If you’re approached with a request for personal information, do not provide it. Instead, contact the company directly using a known email or phone number.