Step by step
Find the registrable domain.
Every web address contains one name that someone registered and controls. Everything else in the address is chosen by that owner. Finding that name is the core skill.
https://login.harbourbank.example/account/settings
- Connection type
- Subdomain
- Registrable domain
- Path
- Cut off the rest. Ignore everything from the first single slash, question mark or # after the name. Words there — including brand names — are chosen by whoever owns the site.
- Find the ending. Look for the last part of the name, such as .com, .org or .net.
- Step one label to the left. The label before the ending, together with the ending, is the registrable domain. In the example above, that is harbourbank.example.
- Compare it with the one you know. If it is not exactly the domain you already trust, treat the link as unverified.
Country endings
Some endings have two parts.
Several countries use two-part endings such as .co.uk, .com.au or .co.nz. With those, the registrable domain includes one more label. In www.bbc.co.uk, the registrable domain is bbc.co.uk — not co.uk.
Common tricks
Six ways a link borrows trust.
The brand as a subdomain
harbourbank.example.account-review.exampleA familiar name at the start of the address, placed in front of someone else’s domain.
The brand in the path
secure-login.example/harbourbank/verifyThe name appears after the first single slash, where the owner can type anything.
A swapped character
harb0urbank.exampleA zero for an ‘o’, ‘rn’ for ‘m’ or a capital ‘I’ for a lower-case ‘l’. One character is a whole new domain.
An added word
harbourbank-support.exampleWords such as secure, support, login or verify attached with a hyphen create a different domain.
The @ disguise
harbourbank.example@account-check.exampleAn @ before the first single slash turns everything in front of it into a login name. The browser goes to the domain after it.
A hidden destination
short.example/p8Xq2Link shorteners and QR codes hide the final address until after you open them.
The padlock
What https does not tell you.
The padlock and https mean that the connection between your device and the site is encrypted, so other people on the network cannot read it. They say nothing about who runs the site. Scam pages routinely use https too.
Look-alike letters
Letters from other alphabets.
Some letters in other alphabets look identical to Latin ones. Browsers often reveal addresses that mix alphabets in an encoded form beginning with xn--. If you see xn-- in a link you did not expect, treat it with suspicion.