Every day I get at least three different banks emailing me telling me that there has been a change to my online banking details – so I should just visit this web page or download that document.
It makes a change to the banks telling me that their security systems have been updated or someone has withdrawn money from my account, but not much of one. Particularly seen as these generally aren’t the bunch I actually bank with.
419 scammers are also fairly present in this – when they aren’t telling you they want to smuggle money out of their country they are congratulating you for winning a contest you never actually entered.
I know we laugh at herbalists who sell “penis cream” but some of this spam is the exact same stuff – being marketed by Eastern Europeans to Americans. Somehow we get caught in the crossfire.
Which brings me to the following: Never trust an unexpected email or SMS. Scammers want your banking details, and spammers want to verify your email address. If you didn’t know you were going to get it, and it wants you to do something, don’t.