For Subscribers

Don't Open an Email If You See These Warning Signs — Because It Could Drain Your Bank Account, New Research Reveals That careless click could cost you a lot of money.

By Amanda Breen Edited by Jessica Thomas

Nearly half of respondents to a new global survey say they've fallen victim to a cyberattack or scam, according to a report commissioned by cybersecurity company Yubico, per Talker.

Phishing, where a cybercriminal sends a deceptive message to trick someone into divulging sensitive information, such as bank account details or allowing access to their technology, is on the rise — up over 60% from 2021 to 2022, CNBC reported.

Chances are, you've seen a phishing email in your inbox. But recognizing when it was sent by a bad actor can stop you from being their next victim.

Related: AI Cloning Hoax Can Copy Your Voice in 3 Seconds—and It's Emptying Bank Accounts. Here's How to Protect Yourself.

A recent study from email validation and deliverability platform ZeroBounce analyzed email datasets for spam detection to determine the most dangerous and recurring words in scam emails.

The research calculated weighted scores based on the appearance frequency of the word, click-through rate (CTR) and infection/damage rate.

Perhaps not surprisingly, "money" comes in first among the most dangerous words, with an 83.56% infection/damage rate and the second-highest appearance and CTR.

Related: Why AI is Your New Best Friend... and Worst Enemy in the Battle Against Phishing Scams

"Income" has the highest CTR at 4.68% despite a moderate appearance frequency (267).

"Investment," "credit," "billion" and "free" rounded out the top five most dangerous words, with the latter surfacing most frequently (2,266 times) and receiving the lowest CTR (.56%).

Check out ZeroBounce's full list of findings below:

Word

Appearance Frequency

CTR

Infection Rate (%)

Weighted Score

money

1143

4.56%

83.56

81.68

investment

226

4.59%

89.64

72.43

credit

726

4.22%

50.52

59.23

billion

107

3.97%

71.93

58.97

free

2266

0.56%

54.78

58

loan

176

4.31%

61.11

57.23

debt

194

3.73%

60.61

53.52

cash

321

3.93%

52.66

52.96

cost

359

4.21%

43.33

51.07

income

267

4.68%

32.26

47.93

Amanda Breen

Entrepreneur Staff

Senior Features Writer

Amanda Breen is a senior features writer at Entrepreneur.com. She is a graduate of Barnard College and received an MFA in writing at Columbia University, where she was a news fellow for the School of the Arts.

Want to be an Entrepreneur Leadership Network contributor? Apply now to join.

Business Ideas

70 Small Business Ideas to Start in 2025

We put together a list of the best, most profitable small business ideas for entrepreneurs to pursue in 2025.

Business News

You Can Get Paid $18,000 More a Year By Adding AI Skills to Your Resume, According to a New Study

Employers are emphasizing AI skills — and are willing to pay a lot more if you have them.

Leadership

7 Steps to De-Risking Big Business Decisions Before They Backfire

When the stakes are high, these seven steps can help you avoid costly mistakes, eliminate bias and make smarter decisions that actually scale.

Leadership

The Difference Between Entrepreneurs Who Survive Crises and Those Who Don't

In a business world accelerated by AI, visibility alone is fragile. Here's how strategic silence and consistency can turn reputation into your most powerful asset.

Employee Experience & Recruiting

Here's the Real Reason Your Employees Are Checked Out — And the Missing Link That Could Fix It

Most disengaged employees aren't exhausted — they're disconnected, and storytelling may be the key to rebuilding that connection.

Business News

United Airlines Says It Is Adding Extra Flights in Case Spirit 'Suddenly Goes Out of Business'

Rival airlines, including United and Frontier, are adding new routes as Spirit cuts 12 cities from its schedule.