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A final safety check before sending money online.
What it does
Helps you pause before making a payment when the request came through a message, advert, marketplace, or unfamiliar service.
Why it matters
Once money has been sent, recovering it can be difficult. A short pause can catch mistakes and scams before they happen.
Answer the questions below. The result is a practical warning signal, not a guarantee that something is safe.
Answer these questions before sending money, buying a voucher, paying an invoice, or approving a financial request.
Was this payment request unexpected?
Are you being pressured to pay quickly?
Have you independently verified who requested it?
Have you independently confirmed the recipient/payment details?
Practical Cyber Conduct guidance connected to this tool.
What to Check Before Paying Someone Online
A practical checklist for verifying online payment requests before you send money.
I Entered My Banking Details on a Scam Website
Immediate steps after entering banking or payment information into a suspicious website.
I Shared My Banking OTP
If you gave someone a banking OTP or transaction verification code, take immediate steps to protect your money and account.
I Sent Money to a Scammer
If you sent money to a scammer, act quickly. Contact the payment provider or bank, preserve evidence, and secure any exposed accounts.
My Card Details Were Stolen
If your card number or other payment details were exposed, act quickly to limit unauthorized transactions and protect your accounts.
I Received a Bank Alert I Don't Recognise
What to do when a banking notification shows activity you did not authorise.
Someone Added a Beneficiary to My Bank Account
What to do if an unfamiliar beneficiary appears in your banking profile.
I Approved a Payment I Didn't Make
Immediate steps after approving an unfamiliar payment or authentication request.
Someone Called Claiming to Be My Bank
How to handle unexpected calls from people claiming to be your bank.