Smishing, or SMS phishing, is similar to phishing. With phishing, scammers send fraudulent e-mails with links or attachments. The goal is for the recipient to share sensitive details, like bank passwords, or to install malware on their computer so the scammer can ultimately steal or extort money from them.

With smishing, the scammer sends a text message instead. Scammers often pose as banks or government agencies (like the IRS or the Social Security Administration). The text may say your accounts have been compromised or that you’re owed money — all you have to do is click the link in the text and share sensitive information.

The best thing to do is delete these types of text messages. Never respond and never click on anything in the message.