5 ways to spot a scam

Scams can be convincing and they’re getting harder to spot. Whether it’s a suspicious email, text, or social media message, knowing what to look for can help you stay safe.

Here are five quick ways you can protect yourself from scams:

1. Check the sender — real or fake?

Before clicking anything, take a close look at the sender’s email address or phone number.

Example: An email from studentfinance@gov.uk.com might look official, but the extra “.com” is a red flag.

Compare it with the official contact details listed on the organisation’s website.

2. Slow down — don’t rush

Scammers often create a sense of urgency to pressure you into acting quickly.

Example: “Your account will be suspended in 24 hours unless you click this link.”

Pause and think. If something feels off, trust your instincts and verify it first.

3. Too good? Probably fake.

If an offer seems unbelievably generous, such as free money, prizes, or huge discounts, it’s likely a scam.

Example: “You’ve won a £500 Amazon voucher! Just enter your details here.”

If it sounds too good to be true, it probably is.

4. Don’t share codes or passwords

No legitimate organisation will ask for your login details, security codes, or passwords.

Example: A message saying “We need your password to verify your account” is a scam.

Always keep your credentials private.

5. Verify before paying

Before sending money or entering payment details, double check.

Example: A landlord asking for a deposit by bank transfer before you’ve seen the property.

Contact the organisation directly using trusted contact info, not the details in the message.