Oh no! You're a scammer's dream.

Use at least 12 characters, a mix of uppercase and lowercase letters, numbers, and special characters. Avoid common words, names and predictable sequences like “123456” or “password”.

Try using passphrases, a sequence of words that's longer and harder to crack than a traditional password. It can also be easier to remember — you could use your favourite saying or song lyrics.

Multi-factor authentication (MFA) adds multiple layers of security to your account: something you know (like a password or security code), something you have (like your phone for SMS one-time codes), and something you are (like your fingerprint or face). Turn on MFA everywhere you can — for banking, email and social media accounts.

Make sure your bank has your current contact details so you’ll always receive important alerts and updates, especially if we notice suspicious activity on your accounts.

Learn the classic scammer playbook and arm yourself with knowledge about common types of scams. Strengthening your ability to spot and avoid scams is one of the most effective ways to stop them before any damage is done. Stop and think, "is it really real?".

Check your transactions regularly. Even tiny charges can be a scammer testing the waters. If you see something unusual, follow up with your bank immediately and consider putting a temporary block on your cards.

Scams can affect anyone, regardless of age or how tech-savvy they are. Talk with your family and friends about types of scams and how to stay safe — like using strong passwords, turning on multi-factor authentication and spotting red flags.

Want an easy way to start? Get them to take the scammer's nightmare challenge. It’s a great way to start a conversation and protect everyone.

Now that you've learned how to dial up your defences, take the scammer's nightmare challenge again to see if you can improve your score.