During the festive season, shoppers get set to scope out the incredible Black Friday and Cyber Monday deals. While these events can save you money, they also present opportunities for cybercriminals to exploit shoppers.
This guide offers essential tips to make sure your online shopping experience is safe and secure.
Cyber Monday and Black Friday scams
Black Friday and Cyber Monday attract a lot of online shoppers, making them prime targets for cyber-attacks. Common threats include:
Phishing scams: Fake emails or websites designed to steal your personal information
Fake e-commerce sites: Fraudulent websites that mimic legitimate retailers to trick you into buying
Malware and spyware: Malicious software that can steal sensitive data or track your online activities
Identity theft: Criminals using your personal information for fraudulent activities
Recognising these threats is the first step in making sure you’re safe when shopping online.
How to stay safe when shopping online
Shop on secure websites
Make sure the website you’re shopping on is secure. Look for URLs that begin with ’https://’ and a padlock icon in the address bar. These tell you that the site uses encryption to protect your data.
Use strong, unique passwords
Create complex passwords for your online accounts. Avoid using the same password across multiple sites. A password manager can help you manage and generate strong passwords.
Enable two-factor authentication (2FA)
Whenever possible, enable 2FA on your online shopping accounts. This adds an extra layer of security by asking for a second form of verification, such as a code sent to your phone.
Beware of phishing scams
Be careful of emails or messages offering deals that seem too good to be true.
Check the sender’s email address and avoid clicking on suspicious links. Instead, go directly to the retailer’s website to see the offer.
Use secure payment methods
Use credit cards rather debit cards when shopping online. Credit cards often provide better fraud protection. Consider using payment services like PayPal, which add an extra layer of security between your bank account and the retailer.
Keep your devices updated
Ensure your computer, smartphone and other devices have the latest security updates and patches. .
Install and update security software
Use reliable antivirus and anti-malware software to protect your devices. Make sure it’s updated regularly to defend against the latest threats.
Check your statements regularly
Monitor your bank and credit card statements for any unauthorised transactions. It’s important that you report any suspicious activity straight away to stop it from happening again.
Avoid public Wi-Fi for shopping
Public Wi-Fi networks are often less secure, making it easier for hackers to take your data. Use a VPN (Virtual Private Network) if you need to shop while connected to public Wi-Fi.
Be cautious with personal information
Only give the necessary information when buying something online. Be wary of sites asking for a lot of your personal details.
How to recognise fake e-commerce sites
Fake websites can be difficult to spot, but there are telltale signs to watch for:
Check the URL: Look for slight misspellings or extra characters in the website’s URL
Read reviews: Search for customer reviews and ratings of the site. Lack of reviews or numerous negative reviews can be red flags
Verify contact information: Legitimate sites will have contact information, including a phone number and physical address. Test the customer service by calling or emailing them.
How to protect your personal information
Your personal information is valuable. Here are additional steps to protect it:
Limit what you share: Be mindful of the information you share online. Avoid posting sensitive details on social media or public forums
Use a virtual credit card: Some banks offer virtual credit cards that can be used for online orders. These cards have unique numbers and can be set with spending limits to add an extra layer of security
Monitor your credit report: Regularly check your credit report for any unusual activity. If you spot something suspicious, make sure you let your bank know as soon as possible
By following these tips, you can enjoy a safe and secure shopping experience. Remember, a little caution goes a long way in protecting your personal and financial information.
Check out our guide on general online safety to learn more about protecting yourself.
Stay safe, shop smart, and enjoy shopping during the festive season!
Admiral’s Personal Cyber and Identity Theft Helpline
If you have Platinum Home Insurance or you have Family Legal Protection added to your home insurance policy, you have access to our Personal Cyber and Identity Theft Helpline.
This helpline can be used to get support and advice from experienced fraud and cyber specialists if you’ve fallen victim to things like:
- identity theft
- fraudulent fund transfer
- cyber extortion
- financial loss
- breach of personal information
- cyber bullying
The helpline can help you with a range of things, including:
- documenting evidence and filling reports
- letting authorities know and liaising with banks and financial service providers
- securing accounts and helping with password changes
- giving advice on protection
- working out if data backups are available
Cyber specialists will also give you advice on how to protect yourself from any future attacks.
To see if you have access to it, check your cover in MyAccount.
