Revolut is urging people to be on their guard against fraud, warning that “new scams are popping up all the time”.

The banking app has set out a range of steps users can take to make sure they don’t fall for fraudsters.

It said criminals pretending to be legitimate businesses are sending people phishing links by text and email to trick them into sharing their personal details.

Image: Facebook/Revolut

The company’s Head of Financial Crime and Fraud Aaron Elliott-Gross said people need to know how to spot suspicious online activity.

“There are new scams popping up all the time,” he said.

“Criminals pretending to represent businesses - including but not limited to utility providers, postal or delivery services and banks - are sending phishing links to trick consumers into sharing personal details.

“These text messages can appear genuine and often come from an existing business number. They can even appear within existing message threads.”

He urged anyone who is suspicious of a call, email or text message to report it to the business it claims to be from – and to contact the Gardaí if you feel like you have fallen victim to a scam.

Revolut has this advice to protect yourself against scams.

• If you receive a link via text message or email from a business, be wary.
• Don’t follow links sent from a business via text message or email unless you're expecting it for a specific reason.
• Nobody genuine will ever tell you to move money out of or into a Revolut account 'for safety', or because another account has been compromised.
• If anyone does tell you to move money out of or into of a Revolut account for safety, it's a scam.
• Never, ever share a one-time code or password that any bank sends to you - with anyone.
• If you receive a message from any person or business, be on guard, particularly if the message includes a link or number. Remember the best way to contact any organisation is directly through their app or website.
• If you believe you have made a fraudulent transfer, or you suspect your account is at risk, you should contact the financial institution involved, and report the incident to the Garda

Revolut’s fraud prevention systems use sophisticated artificial intelligence to spot fraud and warn users to think twice before they make suspicious payments.

If the system picks up a payment that looks unusual, it provides a tailored warning to the customer.