Aotearoa / New Zealand

I feel it's a really good rule of thumb to just not click any links, especially if they're texted. I can't think of the last time an organization texted me a direct link, MSD and IRD usually send you a text telling you to check your account for instance, so I feel it's much better to er on the side of caution and ignore them all.

Emails are a bit trickier but most organizations generally use letterheads and footers to identify themselves pretty plainly, but if I'm ever in doubt I'll again er on the side of caution again and either ring them or go straight to the website rather than touch a link.