These bastards are getting more and more sneaky. I kind of miss the days of receiving a letter/email from a Prince - seems so old-fashioned now!
Basic summary is - your bank should never ask yo to transfer funds to another/safe account.
If your “bank” do call you, feel free to hang up and call them yourself. Ideally from another phone, if not then call someone else first to check the line is clear.
Never call a number provided in an email or text. There is usually a phone number printed in the back of your card. As an aside, whenever you receive a new/replacement bank card, it’s worth noting the number in your contacts/address book so that you have it to hand if your card is stolen.
Separately, and a bit late now, but be aware of texts in the weeks leading up to Christmas - saying they are Hermes/DPD/Royal Mail “sorry we couldn’t deliver your parcel, click here” etc. They rely on people being so busy and having ordered multiple goods online.
Basically, be a completely suspicious pain in the bum when it comes to anything digital regarding funds. I think most banks/businesses are now fully aware that customers are likely to conduct their own “due diligence”.
Lastly, if you have the time to spare and you’re 99% confident you’ve been contacted by a shitty scammer, I highly recommend keeping them on the line and “playing along”. The longer you have them on the line, the less time they have to be contacting someone more vulnerable. I’ve only been able to do it twice, but the satisfaction when the realisation finally hits them is well worth it! It is the only time that I’m willing to play the stereotype of a “dumb woman” - usually the arrogant shits tend to fall for that.