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Recognize fake emails and react correctly

"Final reminder: Confirm your expiring security key". A fake email sent to users of the Swiss financial app "Yuh" read something like this. Deceptively real – and yet a fake: Addressees are required to provide their cell phone number for confirmation. In reality, however, fraudsters use the number for online purchases, which the victim unknowingly confirms by text message code. Then comes surprise on the cell phone bill...
Woman looks anxiously at her smartphone

What are fake emails?

Fake emails are messages from cyber criminals that come from a seemingly trustworthy sender – e.g. from the bank, a well-known company or someone close to you. The sender details, logos and content of these emails are so authentic that recipients are often easily tempted to click on links, enter personal details or download attachments. This makes them very similar to phishing emails

While phishing is mostly about stealing confidential information such as passwords or credit card details, fake emails can have even broader aims:

For example, they can spread malware, steal the identity of their victims or force them to transfer money.

What do fake emails look like?

Because they are so deceptively genuine, fake emails are often very difficult to recognize. However, there are some typical features that you should look out for:

  • Anomalies in the sender's address, e.g. irregularities in the spelling
  • The subject line conveys urgency and calls for immediate action.
  • Conspicuous content, e.g. spelling mistakes, general form of address without a name ("Dear Customer") or request for personal data.
  • On closer inspection, graphics and logos show irregularities in quality or placement.

Look out for these anomalies. If you are unsure whether an addressee is trustworthy, we recommend that you search the Internet for the official website and make inquiries. 

Please always be aware of this: Your bank or other reputable service providers will never ask you to enter sensitive data such as passwords or credit card details via a link.

Examples of fake emails

Here you will find examples of fraudulent messages on various topics and a legitimate request for comparison:

Phishing attempt in the name of a bank

Warning: This email is sent from a fake domain, requesting urgent action and leading to a suspicious link. Banks never request sensitive data by email.

Genuine email from a bank

  • All in order: This email is sent from the bank's official domain, addresses the recipient by name, and refers to the login for online banking via the bank's official website.

Fake prize notification

Warning: This email uses an enticing subject line and asks for personal data. Reputable lotteries never ask for personal information by email to process winnings.

Genuine prize notification

  • All in order: The real email uses a trustworthy domain, a personal salutation and refers to the official website – without direct links to enter personal data.

Fake invoice

Warning: This email contains a forged sender address, a conspicuously generic subject and a suspicious attachment. Reputable companies do not hide relevant information exclusively in the attachment, but mention it directly in the message text.

Genuine invoice

  • All in order: The real email uses the company's actual domain, a subject line with specific details and an attachment that is secure.

What should you do if you’re suspicious?

If you receive a conspicuous email, don’t allow yourself to be rushed into action. Check the message – without opening attachments, clicking on links or sending a reply.

Then you can:

  • Contact email provider: Forward the suspicious message to the customer services department of your email provider. If it is a fake email, your provider can take measures, e.g. warn other users.
  • Delete email or move it to spam folder: As soon as you have forwarded the email to your provider, delete it or move it to the spam folder. 
  • Report fake emails to the National Cyber Security Centre (NCSC): You can report your case by email to incidents@ncsc.ch or via the official websites https://www.report.ncsc.admin.ch/en/ and https://www.antiphishing.ch/en/. This allows measures to be taken and other users to be warned.

In general, you should make sure that you always keep the software and antivirus protection for your devices up to date. You should also check your online accounts regularly so that you can act quickly in the event of anomalies.

Cyber protection from Zurich

With "Cyber – Prevention" you get access to the Zurich Cyber Security App. Thanks to the app, you receive alerts about current fake emails in real time. If you have any questions or if you have been taken in by a fake message, you can contact our cyber experts directly via the app. You also benefit from additional security functions:

  • Identity protection: Scans the darknet for your data.
  • Device protection: Protects your mobile devices (incl. antivirus protection for Android devices).
  • Secure surfing: Warns you about harmful websites.
  • Secure VPN: For anonymous surfing on the Internet.
  • Secure WiFi: Warns of insecure WiFi connections.
  • Password manager: Creates and manages your passwords.

Discover cyber protection insurance

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Cyber protection: Prevention and insurance
Protect yourself and your data from dangers such as fake emails. Zurich's cyber protection offers a prevention app, IT support and help in an emergency. This keeps you safe online.