The most important thing you can do is never click on links in suspicious texts or call the phone number in the message.
But, if you do, never give out personal details under any circumstances.
No legitimate company is going to ask you to reveal personal or security information over the phone. Under no circumstances tell a caller your PIN, password or any other piece of information that could compromise your account.
Another safety tip is to know how certain companies will address you. Legitimate companies will normally address you by your full name as a way of helping you spot fraudulent messages.
Scammers probably won’t know your full name, so will use something generic such as Sir, Madam or valued customer.
It’s also a good idea to keep anti-virus software and operating systems up-to-date. These will help protect you if you do end up on a fake website that’s trying to harvest your information.