Practical guide
Spot a scam before it makes the decision for you
Phishing rarely works because the message is perfect. It works because it catches you under pressure.
Signals that should stop you
Artificial urgency
“Your account will be blocked”, “final reminder”, “pay now”. The goal is to stop you thinking.
Unverified link
A button or short link can lead to a convincing copy of a real website.
Code request
A legitimate adviser does not need your text code, password, or banking approval code.
New bank details
Supplier, manager, relative: confirm through a known channel before sending money.
New phone number
Fake relatives often say their phone broke. Call the old number or ask a personal question.
Unexpected attachment
An invoice, delivery note or shared document can hide a fraudulent link.
The 4-step safety protocol
- Pause. Do not click or answer under pressure.
- Official channel. Open the app yourself, type the usual address, or call the official number.
- Keep secrets. Never share passwords, text codes, approval codes or card details.
- Keep evidence. Save screenshots and report the message.
Common situations
Fake banking text
Do not click. Open your banking app and check whether there is a real alert. When in doubt, call the official support number.
Fake adviser call
Hang up. A real adviser does not need your approval code to “secure” your account.
Fake parcel fee
Check tracking on the carrier’s website. Be careful with tiny fees designed to capture your card.
CEO fraud
Confirm unusual payment requests through a second channel. Urgency and secrecy are warning signs.
Did you click?
End the exchange, change exposed passwords, alert your bank if payment data was shared, and keep evidence. In France, you can use 17Cyber for guided help.