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Hang up, take five minutes to consider what you’ve been told, and, as with emails, call the relevant organisation back using a trusted number. Be skeptical of emails claiming to be from your bank, especially when they ask you to provide information, download files or click on links. But if you are able to go online, you can help protect yourself from scams through a few simple tips. You’re likely to find the top-paying accounts can only be opened and operated online or even, in some cases, are only accessible by mobile app. Recommended Provider of savings accounts, and you can open and manage an account by phone, post and in branch. Branches, call centres and processing post all add to banks’ running costs, so it’s perhaps to be expected that these services wouldn’t be available with the top-paying accounts.