1. You cannot find the store's basic information on the website
Online stores should provide clear basic information on their website, such as contact details, customer service channels and return policy. The websites of reliable stores may also contain information about sustainability and the company’s values.
If the store is unreliable, this information is often missing. Even if the website contains contact details, they tend to be insufficient. There may not be any channels for contacting the company and the customer is not informed about where to get help when needed. Unreliable websites are often built very quickly and contain no detailed information about the service provider, their values or history.
If you are suspicious, make sure you can find the company's contact details, contact channels and return policy.
2. The language used on the website is clumsy
The language used on the websites of reliable online stores is fluent, as it has been checked several times. On false websites the language may be deficient or clumsy. The product descriptions may be written well, but the terms and conditions may be in some other language or badly written.
Furthermore, the web addresses of false websites may be misleading and don't necessarily have anything to do with the products the company is selling.
Don't look at the product pages only – take a look at other pages, too. Open the terms and conditions and see how they are written.
3. Brand products are much cheaper than usual
Some unreliable online stores try to attract customers with good bargains. A store may be selling expensive luxury brands much cheaper than the actual market price. In some cases the discount may be fairly small, around 10–20%.
Be wary when you see discounts on brand products. Compare the prices of different service providers. If the discount is significant, take a closer look at the website and the service provider.
4. The visual design of the website is poor
Online stores often pay a lot of attention to their visual design. They post as good and detailed photos of their products as possible, as photos are what customers use to make a decision to buy.
If the online store is unreliable, its visual design is often poor. Photos are collected from different sources online, and if there are several photos of a product, some of them may be of poor quality. The product pages may also contain photos of other products that have nothing to do with the product being sold.
Take a look at the different products on the website and the photos of those products. Pay attention to the quality of the photos.
5. You find negative reviews of the online store
Reading other customers’ experiences in online discussion groups or social media can help you to assess whether the online store is reliable. You can often find information and warnings about unreliable stores in online discussion groups or social media.
When you look for other people’s experiences online, remember to follow the guidelines for secure online banking. Think twice before you enter your online banking codes or card details on websites.
6. Ensure safe card payments
A credit card is the safest way to make payments online. When you pay your online shopping with a credit card, you don’t need to provide any personal details, such as your personal identity number, to the seller. Furthermore, credit card payments often require strong authentication, so you can rest assured that nobody can use your credit card without you knowing it.
When you pay with a credit card, you are covered by strong consumer rights, and you can get your money back if, for example,
- you don’t receive an item you ordered or it arrives damaged
- you were charged twice
- you don’t receive the item or service you bought due to the seller’s or service provider’s bankruptcy.
Set low daily limits for your card and only allow card payments in the geographical area you are currently in. The daily limits and geographical restrictions apply to your card payments and cash withdrawals at ATMs. If you don’t use your card for any recurring online payments, disable online payments. You can always enable them whenever you need to.
You can edit your card settings in Nordea Mobile and Netbank. The new settings will be applied instantly. Read more about the daily limits and safe card payments
7. Always check what you’re asked to confirm
When using the Nordea ID app, always read carefully what the app is asking you to confirm. You may, for example, get a confirmation request when you are logging in to a third-party service or confirming a card payment or credit transfer.
If you are confirming a credit transfer, check that the amount, recipient name and account number shown in the app match the transaction.
If you get a confirmation request in the app that you don’t recognise, please contact our Customer Service immediately.
Situations in which Nordea may contact you
We may contact you by phone, through Netbank or via email if you have first contacted us about your banking or if you have been chosen to participate in a survey.
If we contact you about a survey, please note that
- we will never ask you for confidential information, such as credit card details, account numbers or passwords, and you should never give this information to us
- we will never send links to software or apps that you should install on your computer or mobile device.
If someone asks you for this information in a survey, the sender is not Nordea or one of our trusted partners.