Your passwords are probably fine. Your recovery email is not

Behind the headline is a lot of quiet, repetitive work by people who rarely get credit for it.

Fees are often small enough to ignore, which is exactly why they add up. Check the fee screen before every transfer, not just the first one.

Where it started

Experts we spoke to were careful to say that conditions vary by region, by income and by season, so treat these as starting points.

Fees are often small enough to ignore, which is exactly why they add up. Check the fee screen before every transfer, not just the first one.

The hardest part was the first week. After that, it became routine.

The numbers

Turn on transaction alerts. A notification for every movement of money is the fastest way to catch a problem.

The best advice came from people who had already made the mistakes, and were happy to explain how to avoid them.

1. Keep a screenshot or a receipt of every step.
2. Turn on alerts and notifications that matter.
3. Set a reminder to review it again in a month.
4. Read the fine print on fees and limits.

The best advice came from people who had already made the mistakes, and were happy to explain how to avoid them.