5 Ways to Protect Your Money Online — Stay Scam-Smart This November

November is Fraud Awareness Month, and there’s no better time to brush up on staying safe online. Fraudsters are constantly finding new ways to target people — from fake emails and texts to cloned websites and false payment requests. Protecting your money doesn’t have to be complicated. Here are five simple steps every member can take to stay scam-smart.

1️⃣ Spot Phishing Emails

Phishing emails try to trick you into giving away personal details or banking information. Look out for:

• Generic greetings or unusual sender addresses

• Urgent requests that pressure you to act

• Links that don’t match official websites

• Requests for passwords, PINs, or one-time codes
  Tip: Always double-check before clicking — when in doubt, go directly to the official site.

2️⃣ Verify Payees Before Transferring Money

Before sending money online, make sure you’re paying the right person or organisation. Tools like Pay Right Now can help you verify account details and reduce the risk of accidental fraud.

3️⃣ Keep Software & Devices Updated

Make sure your computer, smartphone, and apps are running the latest updates. Security patches protect you from vulnerabilities that fraudsters can exploit.

4️⃣ Use Strong, Unique Passwords

Never reuse passwords across multiple accounts. Combine letters, numbers, and symbols, and consider using a password manager to keep them safe.

5️⃣ Trust Your Instincts & Stay Alert

If something seems off — a too-good-to-be-true offer, an unexpected request, or a strange link — it probably is. Take a moment to verify before acting.

Fraudsters are always finding new ways to target people, but being aware and taking simple precautions can go a long way in keeping your money safe.

💡 Follow Kilrush Credit Union on Facebook and Instagram this November for more weekly fraud prevention tips, or check out the Fraud section of our website for more guidance.