Thanks for the always timely warning. Only yesterday I received a message (very badly designed I have to say) supposedly from Nationwide, with whom I do NOT have an account. It said that they had recently upgraded their security, and consequently needed my account details etc etc etc by clicking on the link. Needless to say I didn't do so. But when I checked the genuine Nationwide site it said at the top of the Home page - "we have recently upgraded our security" showing just how convincing these Phishing messages might be to some people.