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Types of internet banking fraud include phishing and mule recruitment, and can happen through your smartphone, tablet and other mobile devices.

Banking on your computer, tablet or smartphone is so convenient and banks protect your accounts with sophisticated software systems.

As well as targeting internet banking customers, phishing emails may target online auction sites or other online payment facilities.

Legitimate banks do NOT send such emails to their customers.

If the link is followed, the victim often also downloads a malicious program which captures his/her keyboard strokes including any typed information such as banking login details and sends them to a third party.

The AFP works with the financial sector, internet security industries and relevant organisations to investigate crimes associated with phishing emails.

It is important to also make others aware about these emails and encourage them to never respond to requests for personal details.

Some email frauds/scams can seem extremely convincing, hence their effectiveness for criminals.

The AFP suggests that you treat phishing emails as spam delete them without opening.

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The term 'online fraud' refers to any type of fraud scheme that uses email, web sites, chat rooms or message boards to present fraudulent solicitations to prospective victims, to conduct fraudulent transactions or to transmit the proceeds of fraud to financial institutions or to others connected with the scheme.

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  1. I threw in the word “discreet” because from experience, I know that many of the women on these services are married and are looking for daytime cybersex while their husbands are at work.