From next month, any text messages coming from unregistered senders will be flagged as 'likely scam'. Photograph: iStock

When my phone pinged to let me know I had received a new text message from my bank, I ignored it. Like many people would these days, I imagine.

There had been rash of messages lately claiming I needed to contact my bank, that a transaction had been declined because the bank had flagged it as suspicious activity, or that a purchase I had no recollection of had gone through. And if this wasn’t a legitimate purchase, could I please contact them via this website to flag it.

In most cases they were, of course, phishing messages, trying to trick me into handing o

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