The digital world has opened up lots of new opportunities for young people, but there also risks when we open up an internet browser on our phones or computers.

Scammers are getting better at stealing personal information – such as banking details – or even other people’s identities.

Thankfully, there are ways to stay a step ahead of fraudsters and to make each online session a bit safer. Here are some tips.

1. Change passwords to long, random combinations

Forgetting a password and having to reset it can be annoying, which is why lots of us tend to rely on easier passwords, such as household pets or nicknames. However, if you use the same, easy-to-crack password for multiple logins, you may be making yourself more vulnerable.

Cyber experts recommend at least 14 characters, with different passwords for different accounts.

2. Think about getting multi-factor authentification (MFA)

Multi-factor authentification involves two different ways of confirming your identity, such as a password and an emailed or messaged code. It may also use face or touch ID. The idea is it adds some extra security to your accounts. In other words, if someone gets your password, they can’t get in without a second device.

3. Consider automatic updates

Regular updates can help to protect us online because they often tend to fix flaws in security systems that can let hackers get in, the Australian Cyber Security Centre says.

One way to make sure you have the latest technology to try and block scammers is by turning on automatic updates on your devices.

4. Beware of public Wi-Fi

If you have low data, it can be tempting to log onto free wifi at libraries and cafes. However, these networks sometimes aren’t so secure. Sometimes, hackers can get into them and steal information from people who are connected to the wifi network.

5. Avoid clicking links

As a general rule, it’s important to be careful about clicking links in emails or text messages, unless you’re completely sure who the message came from. Fraudsters often use links to get access to devices and unleash scams.

As always, if a message looks suspicious, delete it immediately.

Like every article on this website, this is not personal financial advice.