{"id":4303,"date":"2022-08-28T10:39:19","date_gmt":"2022-08-28T08:39:19","guid":{"rendered":"https:\/\/hetzner.co.za\/insights\/?p=4303"},"modified":"2024-03-19T13:49:42","modified_gmt":"2024-03-19T11:49:42","slug":"what-you-need-to-know-about-phishing-scams","status":"publish","type":"post","link":"https:\/\/xneelo.co.za\/insights\/what-you-need-to-know-about-phishing-scams\/","title":{"rendered":"What you need to know about phishing scams"},"content":{"rendered":"\n<p><span style=\"font-weight: 400;\">We\u2019ve all received the classic email from a foreign investor promising to transfer millions of dollars into our bank account if we just provide a few sensitive details. You probably didn\u2019t fall for that. But these fraudulent attempts to obtain sensitive information \u2013 known as <\/span><a href=\"https:\/\/xneelo.co.za\/help-centre\/accounts-and-payments\/how-to-deal-with-phishing-scams\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span style=\"font-weight: 400;\">phishing scams<\/span><\/a><span style=\"font-weight: 400;\"> \u2013 are getting more sophisticated. Even here at <\/span><a href=\"https:\/\/xneelo.co.za\/\"><span style=\"font-weight: 400;\">xneelo<\/span><\/a><span style=\"font-weight: 400;\">, we\u2019ve seen a few scammers attempting to replicate our invoices.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Let\u2019s unpack the purpose of phishing, how to identify potential phishing scams and \u2013 most importantly \u2013 how to prevent getting scammed.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-purpose-of-phishing\"><span style=\"font-weight: 400;\">The purpose of phishing<\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">The goal with phishing scams is simple: to gain access to your personal details. This includes email addresses as well as banking or login details. Phishing scams want to steal your access details because of what those access details unlock. For example, if it\u2019s mailbox details then the purpose may be fraud, sending spam or stealing personal information. Banking details will almost always be used to steal money, while login details for e-commerce sites or credit card details could be used to make fraudulent purchases.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">There are a few tell-tale signs of a phishing scam. Once you understand the methods used, you\u2019ll be able to guard against them.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-identify-potential-phishing-scams\"><span style=\"font-weight: 400;\">How to identify potential phishing scams<\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">No matter how high-tech the phishing scam, it essentially works like an old-fashioned con job: someone has to convince you that they\u2019re reliable before they try to steal from you.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">This is most often done through fake emails that look like they come from a trusted source. The email will ask \u2013 with some urgency \u2013 for you to click on a link to a spoofed website. The website will be convincingly designed to look legitimate and from a service provider you\u2019re most likely to use, and ask for sensitive user information. Once the information is obtained, it can be used for identity theft, financial theft or fraud.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">So how do you identify which emails are legitimate and which are phishing scams?<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-4-golden-rules-for-identifying-phishing-scams\"><span style=\"font-weight: 400;\">4 golden rules for identifying phishing scams<\/span><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Don\u2019t trust the logo or email address<br>It\u2019s easy enough for phishers to copy a real company logo, and even fake the \u201cFrom:\u201d email address to look like it comes from a trusted source. Don\u2019t trust the display name, as those are easily changed to mask the real email address.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Be suspicious of urgent requests<br>If there\u2019s one thing to take away from this article, it should be this: a trusted company will never ask you to change your password via a link in an email. Phishers can use these links to obscure the actual URL, which takes you to a fake account. Nor would they randomly suspend your account and ask you to log in via a link to fix the situation, or risk your account being closed. A trusted company will give you the full URL in the text, not a link. The safest thing to do is type out the URL in your browser, rather than clicking on it.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Check for typos or spelling mistakes<br>Reputable companies have copywriters to check their emails, so if you\u2019re noticing bad grammar and typos, be on the alert. Similarly, check the URL of the company for misspellings or strange versions of the URL (<\/span><a href=\"http:\/\/www.xneeloza.com\/\"><span style=\"font-weight: 400;\">www.xneeloZA.com<\/span><\/a><span style=\"font-weight: 400;\"> instead of <\/span><a href=\"https:\/\/www.xneelo.co.za\/\"><span style=\"font-weight: 400;\">www.xneelo.co.za<\/span><\/a><span style=\"font-weight: 400;\">, for example). If in doubt, copy-paste the URL directly into your browser.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Don\u2019t open unexpected attachments<br>A common phishing tactic is spreading <\/span><a href=\"https:\/\/xneelo.co.za\/help-centre\/website\/why-does-my-home-page-have-a-virus\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span style=\"font-weight: 400;\">viruses<\/span><\/a><span style=\"font-weight: 400;\"> and malware through attachments, which can damage files or steal passwords from your computer. If you get an email containing an unexpected attachment, double check the sender\u2019s email address before clicking on the attachment.<\/span><\/li>\n<\/ol>\n\n\n\n<p><span style=\"font-weight: 400;\">Example of a phishing email impersonating a brand:<\/span><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"693\" src=\"https:\/\/xneelo.co.za\/insights\/wp-content\/uploads\/2023\/11\/phishing-diagram-600w.png\" alt=\"\" class=\"wp-image-12454\" srcset=\"https:\/\/xneelo.co.za\/insights\/wp-content\/uploads\/2023\/11\/phishing-diagram-600w.png 600w, https:\/\/xneelo.co.za\/insights\/wp-content\/uploads\/2023\/11\/phishing-diagram-600w-410x474.png 410w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-simple-ways-to-prevent-being-scammed\"><span style=\"font-weight: 400;\">Simple ways to prevent being scammed<\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">The best defence is to identify potential phishing scams, as outlined above. Here are a few additional steps to protect you:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Check the URL in your browser<br>Before you log in to any site, check the URL in the address bar. If you know your bank\u2019s URL is <\/span><a href=\"http:\/\/www.fnb.co.za\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span style=\"font-weight: 400;\">www.fnb.co.za<\/span><\/a><span style=\"font-weight: 400;\">, don\u2019t log in to www.bank-fnb.co.za\/login.php. Also double-check the URL is spelt correctly: <\/span><a href=\"https:\/\/www.xneeelo.co.za\/\"><span style=\"font-weight: 400;\">www.xneeelo.co.za<\/span><\/a><span style=\"font-weight: 400;\"> is not the same as <\/span><a href=\"https:\/\/xneelo.co.za\/\"><span style=\"font-weight: 400;\">www.xneelo.co.za<\/span><\/a><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Only use a strong password<br>Using a weak password that you use elsewhere and have used for the past few years is not a good idea. Here are some tips on <\/span><a href=\"https:\/\/xneelo.co.za\/help-centre\/email\/change-or-reset-my-email-password\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span style=\"font-weight: 400;\">how to change a mail password<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Delete emails that ask for personal information<br>Don\u2019t reply, click on links or call phone numbers in these emails. Either delete them or report them as spam.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Never email personal or financial information<br>Email is not a secure enough method to send personal or financial information \u2013 rather call through the information where possible, or split it up over email and text messages. If you\u2019re transferring large sums into someone\u2019s bank account, always verify their banking details telephonically first. A common exploit is for phishers to gain access to your email account and then modify invoices to reflect their own bank account details.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Review credit card and bank account statements<br>It\u2019s important to check your credit card and bank statements as soon as you receive them to check for suspicious or unauthorised charges.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Don\u2019t share your password on the phone<br>A reputable company won\u2019t cold call you and ask you to give them your password over the phone. This technique can be successful because people will share details over the phone when they\u2019re in a hurry. Don\u2019t fall for it!<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Never click on suspicious links or open attachments<br>Attachments are an open invitation for Malware and Spyware. Make your your anti-virus protection is up-to-date and run regular scans.&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Use two-factor authentication<br>Add an extra layer of protection to your accounts as a preventative measure. 2FA requires an extra step to verify account details, preventing unauthorised usage.<\/span><\/li>\n<\/ul>\n\n\n\n<p><span style=\"font-weight: 400;\">And finally, notify the company that\u2019s being impersonated so that they can take immediate action.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Phishing scams may seem intimidating, but armed with this knowledge you\u2019ll be able to identify them, and send them straight where they belong: in the trash.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Was this article useful? <\/span><a href=\"https:\/\/xneelo.co.za\/insights\/mailbox-security-tips\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span style=\"font-weight: 400;\">Read our mailbox security tips.<\/span><\/a><\/p>\n","protected":false,"plain":"<!-- wp:paragraph -->\n<p><span >We\u2019ve all received the classic email from a foreign investor promising to transfer millions of dollars into our bank account if we just provide a few sensitive details. You probably didn\u2019t fall for that. But these fraudulent attempts to obtain sensitive information \u2013 known as <\/span><a href=\"https:\/\/xneelo.co.za\/help-centre\/accounts-and-payments\/how-to-deal-with-phishing-scams\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span >phishing scams<\/span><\/a><span > \u2013 are getting more sophisticated. Even here at <\/span><a href=\"https:\/\/xneelo.co.za\/\"><span >xneelo<\/span><\/a><span >, we\u2019ve seen a few scammers attempting to replicate our invoices.<\/span><\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><span >Let\u2019s unpack the purpose of phishing, how to identify potential phishing scams and \u2013 most importantly \u2013 how to prevent getting scammed.<\/span><\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"h-the-purpose-of-phishing\"><span >The purpose of phishing<\/span><\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:paragraph -->\n<p><span >The goal with phishing scams is simple: to gain access to your personal details. This includes email addresses as well as banking or login details. Phishing scams want to steal your access details because of what those access details unlock. For example, if it\u2019s mailbox details then the purpose may be fraud, sending spam or stealing personal information. Banking details will almost always be used to steal money, while login details for e-commerce sites or credit card details could be used to make fraudulent purchases.<\/span><\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><span >There are a few tell-tale signs of a phishing scam. Once you understand the methods used, you\u2019ll be able to guard against them.<\/span><\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"h-how-to-identify-potential-phishing-scams\"><span >How to identify potential phishing scams<\/span><\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:paragraph -->\n<p><span >No matter how high-tech the phishing scam, it essentially works like an old-fashioned con job: someone has to convince you that they\u2019re reliable before they try to steal from you.<\/span><\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><span >This is most often done through fake emails that look like they come from a trusted source. The email will ask \u2013 with some urgency \u2013 for you to click on a link to a spoofed website. The website will be convincingly designed to look legitimate and from a service provider you\u2019re most likely to use, and ask for sensitive user information. Once the information is obtained, it can be used for identity theft, financial theft or fraud.<\/span><\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><span >So how do you identify which emails are legitimate and which are phishing scams?<\/span><\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"h-4-golden-rules-for-identifying-phishing-scams\"><span >4 golden rules for identifying phishing scams<\/span><\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol><!-- wp:list-item -->\n<li><span >Don\u2019t trust the logo or email address<br>It\u2019s easy enough for phishers to copy a real company logo, and even fake the \u201cFrom:\u201d email address to look like it comes from a trusted source. Don\u2019t trust the display name, as those are easily changed to mask the real email address.<\/span><\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li><span >Be suspicious of urgent requests<br>If there\u2019s one thing to take away from this article, it should be this: a trusted company will never ask you to change your password via a link in an email. Phishers can use these links to obscure the actual URL, which takes you to a fake account. Nor would they randomly suspend your account and ask you to log in via a link to fix the situation, or risk your account being closed. A trusted company will give you the full URL in the text, not a link. The safest thing to do is type out the URL in your browser, rather than clicking on it.<\/span><\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li><span >Check for typos or spelling mistakes<br>Reputable companies have copywriters to check their emails, so if you\u2019re noticing bad grammar and typos, be on the alert. Similarly, check the URL of the company for misspellings or strange versions of the URL (<\/span><a href=\"http:\/\/www.xneeloza.com\/\"><span >www.xneeloZA.com<\/span><\/a><span > instead of <\/span><a href=\"https:\/\/www.xneelo.co.za\/\"><span >www.xneelo.co.za<\/span><\/a><span >, for example). If in doubt, copy-paste the URL directly into your browser.<\/span><\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li><span >Don\u2019t open unexpected attachments<br>A common phishing tactic is spreading <\/span><a href=\"https:\/\/xneelo.co.za\/help-centre\/website\/why-does-my-home-page-have-a-virus\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span >viruses<\/span><\/a><span > and malware through attachments, which can damage files or steal passwords from your computer. If you get an email containing an unexpected attachment, double check the sender\u2019s email address before clicking on the attachment.<\/span><\/li>\n<!-- \/wp:list-item --><\/ol>\n<!-- \/wp:list -->\n\n<!-- wp:paragraph -->\n<p><span >Example of a phishing email impersonating a brand:<\/span><\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:image {\"id\":12454,\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-full\"><img src=\"https:\/\/xneelo.co.za\/insights\/wp-content\/uploads\/2023\/11\/phishing-diagram-600w.png\" alt=\"\" class=\"wp-image-12454\"\/><\/figure>\n<!-- \/wp:image -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"h-simple-ways-to-prevent-being-scammed\"><span >Simple ways to prevent being scammed<\/span><\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:paragraph -->\n<p><span >The best defence is to identify potential phishing scams, as outlined above. Here are a few additional steps to protect you:<\/span><\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><span >Check the URL in your browser<br>Before you log in to any site, check the URL in the address bar. If you know your bank\u2019s URL is <\/span><a href=\"http:\/\/www.fnb.co.za\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span >www.fnb.co.za<\/span><\/a><span >, don\u2019t log in to www.bank-fnb.co.za\/login.php. Also double-check the URL is spelt correctly: <\/span><a href=\"https:\/\/www.xneeelo.co.za\/\"><span >www.xneeelo.co.za<\/span><\/a><span > is not the same as <\/span><a href=\"https:\/\/xneelo.co.za\/\"><span >www.xneelo.co.za<\/span><\/a><\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li><span >Only use a strong password<br>Using a weak password that you use elsewhere and have used for the past few years is not a good idea. Here are some tips on <\/span><a href=\"https:\/\/xneelo.co.za\/help-centre\/email\/change-or-reset-my-email-password\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span >how to change a mail password<\/span><\/a><span >.<\/span><\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li><span >Delete emails that ask for personal information<br>Don\u2019t reply, click on links or call phone numbers in these emails. Either delete them or report them as spam.<\/span><\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li><span >Never email personal or financial information<br>Email is not a secure enough method to send personal or financial information \u2013 rather call through the information where possible, or split it up over email and text messages. If you\u2019re transferring large sums into someone\u2019s bank account, always verify their banking details telephonically first. A common exploit is for phishers to gain access to your email account and then modify invoices to reflect their own bank account details.<\/span><\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li><span >Review credit card and bank account statements<br>It\u2019s important to check your credit card and bank statements as soon as you receive them to check for suspicious or unauthorised charges.<\/span><\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li><span >Don\u2019t share your password on the phone<br>A reputable company won\u2019t cold call you and ask you to give them your password over the phone. This technique can be successful because people will share details over the phone when they\u2019re in a hurry. Don\u2019t fall for it!<\/span><\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li><span >Never click on suspicious links or open attachments<br>Attachments are an open invitation for Malware and Spyware. Make your your anti-virus protection is up-to-date and run regular scans.&nbsp;<\/span><\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li><span >Use two-factor authentication<br>Add an extra layer of protection to your accounts as a preventative measure. 2FA requires an extra step to verify account details, preventing unauthorised usage.<\/span><\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:paragraph -->\n<p><span >And finally, notify the company that\u2019s being impersonated so that they can take immediate action.<\/span><\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><span >Phishing scams may seem intimidating, but armed with this knowledge you\u2019ll be able to identify them, and send them straight where they belong: in the trash.<\/span><\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><span >Was this article useful? <\/span><a href=\"https:\/\/xneelo.co.za\/insights\/mailbox-security-tips\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span >Read our mailbox security tips.<\/span><\/a><\/p>\n<!-- \/wp:paragraph -->"},"excerpt":{"rendered":"<p>Let\u2019s unpack the purpose of phishing, how to identify potential phishing scams and &#8211; most importantly &#8211; how to prevent getting scammed.<\/p>\n","protected":false},"author":7,"featured_media":4309,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"lsx_disable_title":"0","_searchwp_excluded":"","inline_featured_image":false,"footnotes":""},"categories":[1519],"tags":[1997,1993,1991,5,1995],"content_group":[6462,6399,6456],"class_list":["post-4303","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-advice","tag-fraud","tag-scams","tag-security","tag-spam","tag-theft"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - 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