February 2025 PayPlan Blog #1
Too good to be true? How to protect yourself from online scams
With Safer Internet Day taking place on the 11th of February, we wanted to support this year’s theme, which highlights the importance of protecting yourself and others online.
Staying safe online is becoming harder, especially with the introduction of AI helping people impersonate others and businesses easier than ever before. Phishing is the most common form of cybercrime, with an estimated 3.4 billion spam emails sent every day. [1]
What is phishing?
Phishing is a cybercrime where spam messages are sent to individuals and businesses that include malicious links. These links usually lead to spoof websites where you’re encouraged to input your personal details. Whilst these messages were traditionally sent via email, these scams have evolved further onto social media, text messages and phone calls.
Tips to keep you safe online
• Use strong and unique passwords
Creating unique passwords makes them much harder for people to guess. We recommend using a mixture of lowercase, uppercase, numbers, and special characters.
• Be careful with emails and links
Avoid clicking links from unknown and untrusted sources. If something looks suspicious or sounds too good to be true, it usually is. If you receive an email from an individual or company and you’re unsure whether to click the link, contact them directly to ask if they’ve sent you it and if it’s safe.
• Educate yourself on scams
Knowing how common scams work can help you be prepared to spot one when it comes your way. To find out about scams, you can sign up to the Trading Standards email alert on their website.
• Use secure Wi-Fi networks
Avoid using public Wi-Fi for activities where you input personal details and passwords, like online banking. If you must use public Wi-Fi, connect through a virtual private network (VPN) to protect your data.
• Keep your devices and software up-to-date
Outdated software can have vulnerabilities that cybercriminals will exploit. To ensure you have the latest protection, regularly update your operating system, apps, and antivirus systems.
• Use Two-Factor Authentication (2FA)
Two-factor authentication adds an extra layer of security by requiring a second form of verification, such as a code sent to your phone, in addition to your password. This prevents people from logging into your accounts. Enable 2FA on your online accounts whenever possible.
What you can do next
If you’re the victim of a scam, fraud or cybercrime you can report it to Action Fraud online or on 0800 123 2040. Their advisors will offer help and advice. When you report it to Action Fraud, you’ll receive a police crime reference number. Reports taken are passed to the National Fraud Intelligence Bureau.
If you are struggling with debts call us on 0800 072 1206. We’re open from 8am – 8pm Monday to Friday and 9am – 3pm on Saturdays.
Alternatively, you can visit our www.payplan.com/bfawu to speak to us via live chat or for more information.