Scams can come in many forms and the majority are designed to steal your money or your identity.

This is commonly done by getting you to reveal your personal details, stealing your information, or even tricking you into willingly handing over the cash.

It’s important to know how to recognise a scam, and what actions to take if you fall victim to them.

Here are our top tips:

Beware of email and online scams

Be cautious when scanning your inbox, especially those emails which promise incredible deals, or say urgent action is required. Avoid clicking on suspicious links, and never provide personal information such as credit card details or passwords through emails.

Make sure your online shopping is secure

If you’re shopping online, make sure the website is secure. Only use reputable online retailers and avoid making purchases through public wi-fi networks which might not be secure.

Use strong passwords

Strengthen your online security by using unique and strong passwords for your accounts. Struggle to keep track of them? Use a password manager to keep them secure.

Update your software

Make sure your devices have the latest software. If your devices aren’t up to date, they risk not being totally secure.

Check your banking apps frequently

Make sure you’re keeping an eye out for any unauthorised or suspicious transactions on your bank statements. Many of us avoid our bank accounts when we’re worried about money, but doing this means you might not notice money going out of your account.

Trust your instincts

If something feels off or too good to be true, it probably is. Scammers often rely on a sense of urgency or incredible offers to lure you in. Take the time to investigate before making any decisions.

Head over to your bank’s website to read more on spotting frauds and scams, and also what to do if you fall victim to them.