Smishing example:

An SMS text message that appears to be from AIB telling the recipient that their online access has been restricted.

Why could you be fooled?

The message has appeared within the list of genuine SMS messages that were received from AIB. It is no different than a criminal posting you a letter that uses the AIB letterhead. You can’t trust the source of a letter. You can’t trust the source of an SMS message.

Why should you be suspicious?

  1. The link is going to an unusual URL – seems a bit generic.
  2. The language is unusual – “Your online has been limited.” What is “your online”?

What should you do?

If you are not a customer of the bank, use it as an opportunity to learn about what these scams look like.

If you are a customer of the bank and you are unsure if this is genuine, use your internet browser (or the bank’s phone app) to go directly to their online banking service. Alternatively, use your internet browser to go to the bank’s website and call them on the phone number listed on that site. Their number may also be printed on the back of your bank card.