Learn how to spot and avoid the latest internet scams with these five tips

TODAY is Safer Internet Day – but how careful are you online?

With so many new scams every day, it’s never been more important to look after your hard-earned cash.

The TSB Bank’s director of fraud prevention, Paul Davis, offers advice to keep your money out of fraudsters’ hands.

SOCIAL SCARES: On social media, you don’t know if you’re in contact with the genuine person or if an advert is legitimate.

Purchase fraud is the biggest category of fraud in the banking sector.

Facebook Marketplace leaves consumers particularly vulnerable as payment is by bank transfer.

It’s better, if you can, to view the item and pay in person.

TEXT TROUBLE: A huge 72 per cent of impersonation fraud is scammers posing as friends or family via text, urgently asking for help with household bills.

In one case, a scammer impersonated the victim’s daughter to request money for a wedding — info they found via the victim’s social media.

Always contact the person directly to check it’s them.

DELIVERY DRAMA: Scammers relentlessly impersonate delivery companies.

Typically, texts say, “Pay £1.99 to receive” or “Input your details to get your item”.

Once they have your personal information, they will use it in a follow-up phone-call scam for a bigger fraud attack.

Don’t click on links, don’t provide any details.