Fraudsters pretend to be companies who you may have relationships with such as BMO: be wary even if you think you recognise the sender.
Fraudsters use a scam called phishing for email, and smishing for texts. They copy the format of emails and texts from real companies and then alter them to try to steal your data or send your computer or phone a virus.
Don’t click on a link or copy and paste from the email/text itself. Visit a company’s website by typing their web address directly into the address bar rather than clicking on a link in the email.
Only call companies on a phone number you know you can trust. You can check the contact details of a firm authorised by the Financial Conduct Authority (FCA) by looking on the FCA register (https://register.fca.org.uk/). If you already have a relationship with the company, you can find their contact details on letters you’ve had from them in the past.