Top tips

Outsmarting fraudsters.

How to spot a scam

- You're asked to send money or phone a premium-rate number to claim a prize or offer. Irish premium-rate numbers start with "15".

- You're contacted by a salesperson who tries to rush you into making a decision and asks you not to tell anyone about this great deal. They carry on with the hard sell even after you've said you're not interested.

- You're contacted by a firm that will only provide a mobile phone contact number or a PO box address.

- You're asked for your bank details, credit card number or other financial information via e-mail, SMS or automated phone message.

How to protect yourself

Do:

- Be sceptical if an offer sounds too good to be true.

- Keep your cheque books and credit, debit and ATM cards in a safe place. Report any loss or theft to your bank immediately.

- Cover the keypad with your hand whenever you are required to enter your pin number.

- Contact the Garda if your card has been swallowed by an ATM for no apparent reason.

Don't:

- Respond to an e-mail that asks you to confirm details such as your account number and pin or security code, even if it looks legitimate. Report the e-mail to your bank or credit card company and the Garda Bureau of Fraud Investigation at 01-666 3777.

- Write down your pin or give it to anyone. When you receive your pin number, memorise it and destroy the slip.

- Let your credit card out of your sight when you pay for goods or services.

- Click on pop-ups. They could be infected with spyware.