Why pause before sending a fast payment to someone whose identity you have not checked?

• A fast transfer proves the recipient is honest.
• Recovery may be difficult after the money reaches the recipient.
• Blocking the recipient cancels a completed payment and returns the money to your account.

A message says: 'We are your college finance office. Send £25 in gift-card codes by 4 pm or lose your place. Keep this from your tutor.' Which signs match the office claim, deadline, tutor instruction and codes, in that order?

• Claimed authority; pressure; secrecy; risky payment request
• Pressure; claimed authority; secrecy; risky payment request
• Claimed authority; pressure; risky payment request; secrecy

Blocking a suspicious sender reverses a payment you already sent.

A friend offers you a fee to receive money from strangers and forward it to another account. Why should you refuse?

• A friend's fee confirms bank approval.
• Forwarding money through your own account makes the original funds lawful, regardless of their source.
• It could move stolen funds through an account in your name.

You sell an item for £45. A buyer sends a screenshot claiming a £60 payment and demands £15 in gift-card codes. What should you do?

• Send £15 in codes because the buyer's screenshot proves that the £60 payment is final.
• Pause and ask your payment provider to check the claimed payment.
• Refund £15 from savings to fix the buyer's mistake.

A text says your bank account is locked and supplies a link and phone number. How should you check?

• Call the number in the text because a person answering can confirm their own identity.
• Use your usual genuine bank app or the number on your bank card.
• Reply with your account details so the sender can prove the warning concerns your account.

A seller refuses your checks and demands a wire transfer immediately. You cannot verify the deal safely. What should you do?

• Send a small transfer first because a smaller payment can test the seller's honesty.
• Stop the deal rather than send money you cannot check safely.
• Send gift-card codes instead because hiding your bank details proves the purchase is safe.

A message claims to be your bank and demands gift-card codes within an hour. It says nothing about secrecy. Kai says it cannot be a scam because one sign is missing. What has Kai missed?

• A scam can omit secrecy; the request still needs checking.
• Missing secrecy confirms that this bank text is genuine.
• A deadline removes the need to check when a message names an organisation you already know.