This is a transcript of our educational video on online security and spotting the warning signs of financial fraud.
I'll give you 10 seconds to think about it.
Did you say no? I hope so.
The best thing is to say no and report him to an adult or the police.
If you said yes, then you would have become what's known as a Money Mule. This could get you into a lot of trouble.
Some fraudsters will try and trick you into being a Money Mule online, asking you to put money in your account and then transfer it on, keeping a bit for yourself. But take it from me, those mules never end up happy.
What do you think might happen to a Money Mule if they get caught? That's right. They could end up with a criminal record. Which could mean not being allowed a bank account. Or a mobile phone. Or a loan in the future so you can live in the house of your dreams.
Remember: if an offer sounds too good to be true, it probably is. Sometimes the bad guys will try and tempt you with cash but sometimes they may be a little meaner.
So just remember, if someone is harassing you online, trying to get you to do something you don’t want to do, don’t reply. Just block and report them and go tell an adult immediately.
So that’s pretty much it. It may sound a bit scary, but it really is easy once you know the tricks of the trade.
Just to make sure you’ve understood, here are some questions. Are you ready?
A friend at school asks for your pin, what do you do?
What do you think? They're your friend. You trust them. But….
No, you shouldn't give your pin out to anyone. Even your best mate.
Well done if you got that right.
You get a message from someone on social media asking you to keep some money safe for them.
What do you do? They’re even saying you can keep some of the money for yourself… sounds like a good offer.
Are you going to say yes?
Well, the answer is no. You don't respond, just report and block them and go and tell an adult immediately.
Did you get that right?
Your bank asks you for details over email. What should you do?
I mean, it's from your bank, so you should probably reply, no?
No! Trick question. Your bank will never ask for details over email. That'll be one of the bad guys!
OK, last one…
You're doing an online quiz to predict whether you'll be famous or not, and the question is 'What is your date of birth?'.
What do you do?... Do you tell them?
Did you decide not to?
That's correct. I'd be very careful about who you give out your date of birth to. Fraudsters would love to know that - and not because they want to get you some trainers for your birthday.
OK. Congratulations if you got them all right. It just goes to show, when it comes to spotting fraud you don’t have to be a genius to spot the clues.
Just remember: if it doesn't feel right or if someone's rushing you into doing something, just stop and tell an adult. Oh and if the offer sounds too good to be true, it probably is.
Right. That's it from me. Well done for working so hard today. I'm off to crack my next big case: which one of my flatmates keeps using all my milk from the fridge. Bye!