How do you recognize online fraud?

Stay up to date with the latest measures from the financial sector

3 min Reading time

Fraudsters use various techniques to lure you into their trap. Below, we list some characteristics to help you identify fake messages.

  • Credibility: They use the identity of known individuals, government entities, or institutions, making the victim believe they are dealing with a legitimate person or organization. For example, a fake email you receive from your energy provider.
  • Time pressure: They simulate an urgent situation. For instance: "Your card is being blocked NOW."
  • Fear of not acting: Fraudsters play on the fear of missing out, also known as "FOMO." For example: "This offer is only valid for a limited time. Buy now!"
  • Salutation: The salutation is rarely or never personalized: you are addressed as 'Dear' or 'Respected,' but your full name is never used (because they don't have it).
  • Details: Absence of details (e.g., a supposed traffic fine lacks information about time, location, etc.).
  • Too good to be true: Unrealistic proposals like an 8% return on a savings account (if it sounds too good to be true, it probably is).
  • Clicking on a link: The email or message often asks you to click on a link (which leads to a fraudulent website).

Tips to prevent fraud

  • Never provide your internet banking codes via email, social media, SMS, or phone. Your internet banking codes are as confidential as your bank card PIN!
  • Never access the payment site or mobile app of your bank through a link. Your bank will never ask for your codes through a link.
  • Always type the address of your bank's website into your browser yourself. You can also save the address in your browser's favorites list or open your bank's mobile app.
  • If in doubt, stop. If you receive a suspicious message and don't know what to do, it's better to be safe and stop everything.

Have you shared your codes?

  • Call Card Stop immediately (078 170 170).
  • Contact your bank as soon as possible.
  • File a complaint with the police.

Where to report phishing?


Did you receive a phishing message? Be sure to send it to

With your help, the false website behind the message can be blocked. So, make sure to report it!