Types of internet threat

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Staying secure online

What you need to know about keeping your information safe

At a glance

Top tips for staying safe online

1. Make sure you have the most up-to-date version of all your software, including your operating system and internet browser.

2. Create strong passwords – with lower and upper case letters and numbers – and keep them secure.

3. Never click on links in emails that ask for security information such as your log-in details.

4. Keep your anti-virus software up to date.

Types of internet threat

Protecting yourself against internet fraud is just a matter of being aware of the risks and taking some simple steps to avoid them. Here Daniel Hope, Digital Banking Fraud and Security Team at Lloyds TSB, focuses on social networking and mobile devices, and shows you how to stay safe.

Online security is improving every day, but unfortunately it’s still possible to fall victim to threats such as phishing scams, malware and identity theft. The best way of protecting yourself and keeping your details safe online is to be aware of how the scams work – and knowing how to spot a scam is a skill that’s easy to pick up.

Here we explain the most common types of threat and show you how to protect yourself in Chapter 2.

Phishing scams

Phishing scams use emails, pop-ups or messages that look as if they come from trustworthy organisations to trick you out of information such as passwords and credit card details.

Malware

Malware is malicious software and is a common name for all kinds of unwanted software such as viruses, worms and Trojans that could harm your files and programs.

Identity theft

Identity theft happens when someone uses your personal information to pretend to be you. According to Home Office figures, identity theft affects individuals and businesses to the tune of around £1.7 billion each year.

Mobile fraud

Because you can now carry out financial transactions on many mobiles, your phone is vulnerable to the same types of scams as your computer.

Money mule scams

Money mule scams use clever ways to trick you into letting the scammers use your accounts for illegal money transactions. The scammers usually have a reason why they can’t pay their own money – gained using illegal methods – into their accounts and ask to pay it into yours instead. You’ll then withdraw it and send it overseas using a wire service for a commission. Then if they get caught, it is you who becomes traceable and accountable, not them.

Social networking risks

Social networking sites can be a target for criminals on the lookout for people’s personal details, which they can then use to commit fraud.

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Lloyds TSB Bank plc and Lloyds TSB Scotland plc are authorised and regulated by the Financial Services Authority except for lending where we are licensed by The Office of Fair Trading. FSA authorisation can be checked on the FSA’s Register at: www.fsa.gov.uk/register . Lloyds TSB Bank plc and Lloyds TSB Scotland plc are members of the Financial Services Compensation Scheme and the Financial Ombudsman Service. We subscribe to the Lending Code; copies of the Code can be obtained from www.lendingstandardsboard.org.uk.