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‘Criminals’, ‘scammers’, ‘fraudsters’.

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It can be easy to feel nervous about risks when using digital banking.

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That’s why we believe it’s so important

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for everyone to build Digital awareness.

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One of the best things you can do

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is to arm yourself with knowledge.

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The more you know, the better,

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and Nationwide have some great information to help you with just that.

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Many scams start with scammers getting hold of your information

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in the first place.

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This is called ‘data harvesting’ or ‘phishing’.

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Scammers often attempt to collect personal and financial information

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via cold calls, emails and texts.

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They may even try to get their hands on your money

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by calling to say that your money is at risk and that you need to move it

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to what they will tell you is a ‘safe’ account.

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When of course it is nothing of the sort.

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They may attempt to gain your trust by posing to be from

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a legitimate company, a bank or even the police.

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Always be suspicious of cold calls pretending to be from Nationwide,

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or other reputable organisations.

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If you receive one of these calls,

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or you’re just not sure who you’re talking to,

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STOP, hang up and call 159.

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This will connect you to Nationwide and you’ll be able to talk

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to one of our representatives for advice and reassurance.

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Watch out for suspicious emails and text messages,

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especially if they are unsolicited

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and you’re not expecting to hear from the sender.

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Never reply or click on any links if you’re uncertain.

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Be careful what data you give online as this can give scammers

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an opportunity to build up a profile of you.

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Here are some tell-tale signs to look out for,

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that can make spotting a scam easier...

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Scammers will often send enticing emails with offers too good to be true.

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Keep an eye out for poor spelling, punctuation and grammar.

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Scammers will try to rush or panic you by creating a sense of urgency.

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Don’t be afraid to say no. It’s ok to reject, refuse or ignore requests.

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Trust your instincts.

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The possibility that you are being ‘watched on-line’ is so remote

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that it really only belongs in spy stories,

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but the fear of ‘hacking’ is very real.

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Here are some of the things we can all do to remain safe:

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Always check that your internet connection is secure and that any

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websites you look at display the ‘safe padlock’ symbol...

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and that the web address starts with ‘https’.

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Make a point of putting your privacy settings on the highest possible level

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for every website and keep them activated at all times.

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Practice safe browsing.

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You wouldn’t choose to walk through a dangerous neighbourhood,

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so don’t surf websites that you don’t trust.

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Remember to be sensible when setting passwords.

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People often choose easy ones to remember such as “password”,

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“12345”,

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or the name of their dog,

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but these are also easy for cyber thieves to guess.

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Keep your passwords strong by using a short phrase

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that is relevant and personal to you

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and mix it up with upper and lower case letters, numbers and symbols.

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Be mindful about using public Wi-Fi connections,

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where you have no control over its security.

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If in doubt, wait until you’re able to connect to a secure Wi-Fi network

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from home before providing any sensitive information

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such as your bank account number.

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Be careful what you download.

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A top goal of cyber criminals is to trick you

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into downloading malicious code

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that tries to steal information.

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This code can be disguised as an app,

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a popular game or even a funny GIF or meme.

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Don’t download anything suspicious

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or which comes from a site you don’t trust.

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Another thing that people are cautious about, are cookies.

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A cookie is a text file that contains small pieces of data

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that are used to identify your device.

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People often worry that cookies are going to capture their data

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and that their information will be traded and sold to other companies.

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Nationwide would never do that,

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but we do provide you with information about the data we collect,

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which is why you see a pop-up cookie message

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when you go on our website.

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These messages tell you what data is being captured

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and how it will be used.

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The majority of the time it’s used to provide you with a better,

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more customer friendly journey,

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so we can see what’s been of interest to you

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and show you similar or related information

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which you might find useful.

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So, accepting the use of cookies is fine

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when you are browsing online at Nationwide.

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And lastly, always remember that Nationwide will NEVER ask you

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to log into the Internet Bank directly

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from a link in an email or via text.

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If you’re ever in doubt, give us a call on the number

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on the back of your card, and we’ll be happy to help.

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Tune in next time for information on Using Digital Channels.

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We’ll be talking you through how to challenge our online behaviour

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in order to stay as safe as possible.

[End]