Email FraudReduce your chances of being scammed via email
Suspect suspicious activity?
Some emails look authentic, featuring corporate logos and layouts similar to the ones used by institutions for legitimate communication. Because these emails can look so official, unsuspecting recipients may reply to them, resulting in financial losses, identity theft and other fraudulent activity.
Obvious visual hints
- Spelling and grammar mistakes – Sometimes it's a case of the email being poorly written or the mistakes are intentional to get the email through spam filters.
- Sender is unknown – You've never communicated with this person or company before and have not signed up to receive any type of communication.
- Colours and formatting are off – Perhaps the colours are darker or lighter than the legitimate company normally uses; the text size is bigger, smaller, or not professional looking.
Threatening tone of message
In general, phishing emails use language that creates a sense of urgency in order to get you to react without thinking. You should never respond to or action any email that:
- Requires you to enter personal information directly into the email or submit that information online.
- Threatens to close or suspend your accounts if you do not provide or verify personal information.
- Claims your account has been compromised or that there has been fraudulent activity on your account and requests you to enter, validate or verify your account information.
- States that there are unauthorized charges on your account and requests your account information.
- Claims the bank has lost important security information and needs you to update your information online.
- Asks you to enter your card number, password, access code or account numbers into an email, pop-up window, form or non-secure webpage.
- Asks you to confirm, validate, verify, or refresh your account, credit card, or financial information.
Always remember that Scotiabank will never send you unsolicited emails asking for confidential information, such as your password, PIN, Access Code, credit card and account numbers. We will never ask you to validate or restore your account access through email or pop-up windows.
If you are suspicious, never respond to emails, open attachments, or click on links from institutions (even reputable) or unknown senders asking for personal or financial information. Scotiabank will not send an email that asks you to provide, confirm, or verify personal, login or account information.
- Trust your instincts: if an email looks suspicious – do not click on links within that message, instead type in the Scotiabank web address yourself to ensure you are communicating with our server. You can also bookmark the Scotiabank website to save time.
- Never call a number appearing on an email you suspect is fraudulent. Often phishing scams use a phony telephone number in the email, which when called results in an automated response asking for your personal and/or account information.
If you do have a relationship with the company mentioned in the email, call the company using the phone number from a reputable source like your statement or the phonebook.
If you have received a fraudulent email, please forward it to email@example.com. Please do not remove the original subject line, or change the email in any way when you forward it to us. If you have entered personal information after clicking on a link or suspect fraudulent behaviour, please call us immediately at 1-800-4-SCOTIA (1-800-472-6842).
We will fully reimburse you in the unlikely event that you suffer direct financial losses due to unauthorized activity1 in your accounts through Scotia OnLine Financial Services2 or through Mobile Banking, provided you have met your security responsibilities.
Norton AntiVirus and Symantec are trademarks of Symantec Corporation.
McAfee and McAfee VirsusScan are trademarks of Network Associates, Inc
Windows and Microsoft are trademarks of Microsoft Corporation.
Zone Alarm is a trademark of Zone Labs, Inc.
Trademarks of Discovery Communications, Inc.
The download link will take you to the IBM website, where you can begin the IBM Trusteer Rapport software download. Use of the software is governed by a license with IBM, which is available on that website. By downloading and installing the IBM Trusteer Rapport software, you agree to the terms of the license and to all of IBM's terms and conditions, also found on the website. The Bank of Nova Scotia is not responsible for, nor guarantees, this software, other products or services of IBM, or the IBM website. Direct any questions, problems, or concerns regarding IBM Trusteer Rapport or IBM in general to firstname.lastname@example.org.