You'll be spending your money in a variety of places - supermarkets, clothes shops, bars, cafés, the corner shop and on games and music.
As you'll quite possibly be using your bank details in these places, it's important to understand how to keep your details secure - especially if you buy online.
This comes in many forms - identity theft, phishing, page jacking, advance fee scams, bad cheque scams, fake money orders, wire transfer fraud.
One of the most common problems online is identity theft. We all keep personal information on our computers and unfortunately, if we're not careful, these can be accessed illegally to steal our identity to make fraudulent purchases.
Whether you’re new to using the Internet or a seasoned surfer, it’s worth putting these simple solutions in place to keep you and your personal information safe online.
To make sure you stay safe there are a number of steps you can take to protect your identity and passwords.
All our sites go through rigorous checks and where appropriate use certificates to ensure your data is secure.
Never give anyone your passwords, and always make your passwords difficult to guess. That means avoiding birthdates and names of your favourite things. Build in numbers and capital letters to make it even more difficult.
All bills, receipts and letters contain personal information that could be used by fraudsters to steal your identity. So keep your paperwork safe, don’t just bin it.
If you’re living in shared accommodation you can be at risk even without making a transaction. A common way to have your identity ‘stolen’ is by having your mail intercepted. Having all your accounting online and not having paper statements helps. Also try and make sure your post goes to a secure address and collect it on time.
Always check the cash machine hasn’t been tampered with before you use it. Make sure you hide your PIN as you enter it. And never give your PIN to anyone else.
You may receive emails seeming to come from banks or other companies you know asking for personal details or account numbers to update their files.
They’re crooks who are ‘phishing’ and will use the information illegally.
Don’t open emails you’re unsure about. Mark them as spam. Or, if you do open one, don’t fall for it. Check with the organisation sending the email, but before you do find a contact number from somewhere other than the email you have received.
Others will send you links that can infect your computer with viruses if you open them. Some will ‘page jack’ and suddenly take you to a page you haven’t wanted – many offering web security systems which are anything but.
Make sure you have a good security system installed on your computer and that it is up to date.
Their activities are illegal and very dangerous. They are not regulated, can charge what they like, change their terms on a whim, and they become very threatening if you fail to pay on time.
Keep your details to yourself and remember, if it sounds too good to be true, it probably is.