The authenticity – or otherwise – of an email can usually quickly be ascertained by looking at the message’s header data, and makes for one way of working out whether the bank really is sending you all those emails.
I can send you an email now that basically says I’m your boss, but unless you look at the header of it to see it’s actually coming from a separate account and a separate IP address, you wouldn’t know. To fake an email is not hard, [but] to fake it properly so that it’s not going to get caught is hard.
Dom Joly however suggests another, far simpler method of verifying “bank emails”, if their wording is polite and friendly then they must be fake:
Someone is replying to these scam emails that pretend to be from your bank. I don’t fall for them because they are invariably polite and call me things like “esteemed customer”. My real bank only ever contacts me to be rude, so I know it’s not them.
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