Avoid the 2020 MASTERCARD USERS AWARD email scam

What kind of email is "2020 MASTERCARD USERS AWARD"?

Typically, scammers behind phishing emails seek to trick recipients into divulging various personal information. For example, passwords (login credentials), credit card details, and/or transferring certain sums of money.

Scammers send this particular email to deceive people into believing that their email address was selected as a winner of a "2020 MASTERCARD USERS AWARD" lottery.

"2020 MASTERCARD USERS AWARD" email scam overview

This scam email states that recipients can get information about how to claim the prize (one million GBP) by sending an email to financemgroupsuk@outlook.com. It is very likely that when these scammers are contacted, they will try to trick recipients into believing that the aforementioned prize can be claimed by paying a bank fee (or other fee).

They might also ask for various personal information such as credit card details, account numbers, passwords, etc.

If they acquire this information, they could gain access to email/bank accounts (and others) and misuse them to make fraudulent purchases and transactions, steal identities, spread this spam campaign further, and send other emails for other malicious purposes.

You are strongly advised not to trust these emails. Note that scammers often try to make their emails seem more believable and less suspicious by exploiting names of well-known companies such as in this case with Mastercard and Microsoft.

Spam campaigns in general

More examples of email scams are "Suspicious Sign-In Attempt Prevented Email Scam", "Important: You Have 19 Pending Incoming Email(s) Email Scam" and "Dropbox Email Scam". Recipients who trust such emails often become victims of identity theft, lose money and/or access to personal accounts, or even infect their computers with malware.

Cyber criminals commonly send emails that contain a malicious attachment or a link to a download page for the malicious file in order to trick recipients into opening it. When opened, the malicious file installs malware. Some examples of malware that is distributed in this way includes FormBook, TrickBot, LokiBot, and Adwind.

How do spam campaigns infect computers?

Computers become infected with malware through emails when cyber criminals successfully deceive recipients into opening/executing a malicious attachment, or a file downloaded from a malicious website.

Some examples of files that cyber criminals attach to their emails are malicious PDF, Microsoft Office documents, archive files (like RAR, ZIP), executable files (.exe) and JavaScript files. Note that malicious MS Office documents infect operating systems only when users give them permission to enable editing/content (macros commands).

This applies only to documents opened with MS Office 2010 or newer versions. Older versions do not have the "Protected View" feature and infect systems without asking any permission.

How to avoid installation of malware

Software should be downloaded only from official pages and via direct links. Peer-to-Peer networks (torrent clients, eMule), unofficial websites, third party downloaders, etc., should not be used. Third party installers should also be avoided.

Operating systems and installed programs must be updated and activated only with implemented functions and tools designed by the official developers. Third party, unofficial activators ('cracking') and updaters can be designed to install malware. Furthermore, it is illegal to activate licensed software with third party tools.

Attachments and links in irrelevant emails that are received from suspicious, unknown addresses should not be opened. Commonly, these emails are sent by cyber criminals who attempt to spread malware. Note that the emails are often disguised as important, official, and so on.

Finally, you are advised to have reputable antivirus or anti-spyware software installed on the computer and to scan the system with it regularly. Keep this software up to date. If you have already opened malicious attachments, we recommend running a scan with Combo Cleaner Antivirus for Windows to automatically eliminate infiltrated malware.

Appearance of the 2020 MASTERCARD USERS AWARD email scam:

Text presented in this email:

Subject: Congrats: Your E-mail Address Selected

 

Attention: E-mail Account Ownerm

 

We wish to congratulate you for being one of the selected E-mail Online WInners in the 2020 MASTERCARD USERS AWARD, Kindly view the enclosed Annex/Attachment for the MASTERCARD 2020 WINNING AWARD LETTER.

 

Cheers & Congratulations.

 

Regards,
Brenda .T.Davidson (Secretary)
MASTERCARD / MICROSOFT MEGA JACKPOT

MasterCard

 

MASTERCARD UK/ MICROSOFT MEGA JACKPOT
10 Upper Bank Street Canary Wharf.
London E14 5NP, England, United Kingdom
(CUSTOMER SERVICES)

 

Attention: Online Prize Winner.
Award Numbers: GB/MS/644/2020/01
Email Bonus Numbers: MSLP-56786
Batch Numbers: GB/MS/776/354
Reference Numbers: MGB/879/356/20
Serial Numbers: MSGB/2020/01/M575

 

AMOUNT WON: £ 1,000,000.00 GBP (One Million Great Britain Pounds Sterling)
priceless
surprises
Your email address has bruoght you an unexpected luck, your e-mail address was selected and confirmed by MasterCard and our Co-sponsor Microsoft International, through their latest internet software for your usage of Microsoft and MasterCard products. You are therefore been approved by MasterCard GB International/Microsoft UK the sum of £ 1,000,000.00 GBP (One Million Gread Britain Pounds Sterling).
CONTACT MASTERCARD FINANCE DIRECTOR
mastercard
Name: Phill Barkley
Email:
financemgroupsuk@outlook.com
Phone #: +44 793 704 9829
Fax   #: +44 843 524 1558
Do email the above MasterCard Finance Director, at once with all the claims requirements below. To avoid unnecessary delay, they are needed to proceed.

Another variant of "2020 MASTERCARD USERS AWARD" scam email:

Text presented within:

Subject: MasterCard Prize: Congratulations

Dear MasterCard Winner,
 
We wish to congratulate you for being one of the selected E-mail Online Winners in the 2020 MASTERCARD USERS AWARD, Kindly view the enclosed Annex/Attachment for the MASTERCARD 2020 WINNING AWARD LETTER.
 
Cheers & Congratulations, Stay Safe and follow the Government advise on Covid 19 Pandemic.
 
Regards,
Brenda .T. Davidson (Secretary)
MASTERCARD / MICROSOFT MEGA JACKPOT
Phone #: +44 793 704 9829
Fax #: +44 843 524 1558

Appearance of the attached PDF document (GIF):

Text presented within:

MASTERCARD UK/ MICROSOFT MEGA JACKPOT
10 Upper Bank Street Canary Wharf.
London E14 5NP, England, United Kingdom
(CUSTOMER SERVICES)
Attention: Online Prize Winner,
Award Numbers: GB/MS/644/2020/01
Email Bonus Numbers: MSLP-56786
Batch Numbers: GB/MS/776/354
Reference Numbers: MGB/879/356/20
Serial Numbers: MSGB/2020/01/M575
AMOUNT WON: £ 1,000,000.00 GBP (One Million Great Britain Pounds Sterling)
Your email address has brought you an unexpected luck, your e-mail address was
selected and confirmed by MasterCard and our Co-sponsor Microsoft International,
through their latest internet software for your usage of Microsoft and MasterCard
products. You are therefore been approved by MasterCard GB
International/Microsoft UK the sum of £ 1,000,000.00 GBP (One Million Great
Britain Pounds Sterling).
CONTACT MASTERCARD FINANCE DIRECTOR
Name: Phillip Barkley
Email: Phillip@mcardmgbgroups.com
Email: financemgroupsuk@outlook.com
Phone #: +44 793 704 9829
Fax #: +44 843 524 1558
Do email the above MasterCard Finance Director, at once with all the claims
requirements below. To avoid unnecessary delay, they are needed to proceed.
MASTERCARD VERIFICATION REQUIREMENTS
(1). Full Name
(2). Address
(3). Nationality/Gender
(4). Date of Birth
(5). Occupation
(6). Phone
(7). Country
(8). How do you feel as a MasterCard Winner
(9). Ever Won an Online Award or Bonus
(10). Winning Email Address
PROCEEDURES / RIGHTS AND PRECAUTIONS. To fill the Microsoft Verification Requirements, if you are not use to
Microsoft/Pdf files, you can print it out and fill it or simply copy the entire Award
Notification Attachment to your new message in your email box or notepad for
easy access.
Contact the Finance Director with all your Microsoft Verification
Requirements well filled.
Sincerely,
Brenda .T. Davidson (Secretary)

Instant automatic malware removal:

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Types of malicious emails:

If you opened an attachment or downloaded a file from a suspicious email, run a full system scan with Combo Cleaner. If you only received the email and didn't engage with it, you don't need to scan anything - just identify the scam and delete it. The full procedure below covers both situations and what to do if you already clicked, replied, or sent money.

Credential theft Phishing emails

Fake login pages disguised as PayPal, Microsoft, Apple, banks, or social networks. The email pushes a link to a near-perfect copy of the real login screen. The moment you type your username and password, the attacker has them.

Common subject lines

• "Action required: confirm your account"
• "Your password expires today"
• "Unusual sign-in attempt detected"
• "Verify your billing information"

Malware delivery Emails with malicious attachments

Trojans hidden inside fake invoices, faxes, shipping confirmations, or Office documents. Opening the attachment runs the payload and infects the system - often with an info-stealer or remote-access trojan.

Common subject lines

• "Invoice INV-2026-XXXX attached"
• "Fax received - 3 pages"
• "Your shipping document is ready"
• "Voicemail from +1-XXX-XXX-XXXX"

Extortion Sextortion emails

Fake claims of webcam recordings demanding cryptocurrency. Almost always a bluff: the attacker pulls a real password from an old data breach to make the threat look credible, then claims to have video of you. They have no recording and no access.

Common subject lines

• "I know your password is XXXX"
• "Your account has been hacked"
• "I have recorded you - 48 hours to pay"
• "You have been compromised"

Callback fraud Refund & callback scams

"Your subscription was renewed for $499 - call to cancel." Norton, McAfee, Geek Squad, PayPal, and Wells Fargo variants are all common. There's no real subscription. The phone number in the email connects directly to the scammer, who walks you through "refunding" yourself - which is actually them stealing money from your bank.

Common subject lines

• "Norton subscription auto-renewed - $499.99"
• "McAfee Total Protection invoice"
• "Geek Squad order confirmation"
• "Your PayPal payment is being processed"

Credential theft Account suspension & verification scams

"Your account will be deleted in 24 hours - verify now." The artificial deadline is the whole point: it pressures you to click before checking details. The "verify" link goes to a phishing page styled to look like the real provider.

Common subject lines

• "Your account will be deleted in 24 hours"
• "Suspicious activity detected - verify now"
• "Final warning: account closure"
• "Action required to keep your account active"

Mixed payload Delivery & package scams

Fake DHL, USPS, UPS, or FedEx tracking, customs fees, or "package undeliverable" notices. Targets anyone expecting a parcel - the timing alone catches many people. The link hides either phishing (asking for card details to "release" the package) or a malware download.

Common subject lines

• "Your DHL package is held at customs"
• "USPS - delivery attempt failed"
• "FedEx tracking update - action required"
• "Pay $2.99 redelivery fee to release your parcel"

Remote access Tech support scams

Fake Microsoft, Apple, or "Windows Defender" security alerts pushing a phone number. Real Microsoft and Apple never email a phone number to call. The number connects you to a scammer who asks for remote access to "fix" the imaginary problem and then demands payment.

Common subject lines

• "Microsoft Defender expired - renew now"
• "Apple ID security alert"
• "Critical: virus detected on your PC"
• "Windows license expired - call now"

Wire fraud Advance-fee scams

Inheritance, lottery wins, romance, or business deals that ask for a small fee to release a much larger sum. The classic "Nigerian prince" 419 family of frauds. Once you pay the first fee, more fees appear (taxes, lawyer, transfer charges) until you stop paying. The promised money never exists.

Common subject lines

• "Inheritance from a relative you didn't know about"
• "You won the international lottery"
• "URGENT - business proposal worth $XX million"
• "Compensation fund release for fraud victims"

Wire fraud Business email compromise (BEC)

CEO impersonation asking employees to wire money or buy gift cards, or fake supplier invoices with newly "updated" bank details for payment redirection. The email often spoofs a real internal executive's display name and uses an external lookalike domain.

Common subject lines

• "Quick task - need you to buy gift cards"
• "Updated banking details for invoice payment"
• "Wire transfer request - urgent"
• "Are you available?" (CEO impersonation opener)

How to spot a malicious email?

Phase 1~ 2 min

Spot - identify the red flags

---

1

Check the sender's actual address, not the display name

30 sec

The display name (the human-readable part) is trivial to fake. Always check the full address that comes after it. Common red flags:

• Domain mismatch - service@paypa1.com, support@micros0ft-help.com, look-alike domains using digits or extra hyphens
• Free-email impersonation - any "official" message from a bank, courier, or platform sent from a @gmail.com, @outlook.com, or @yahoo.com address
• Reply-To mismatch - the From address looks legitimate but Reply-To points somewhere completely different

Why this matters

Real companies own their domains and send mail from them. A "DHL" message from a Gmail address is never legitimate, regardless of how convincing the body looks.

2

Watch for urgency, threats, and generic greetings

30 sec

Scams almost always rush you. The point is to make you act before you think. Treat any of the following as a strong signal:

• "Your account will be deleted in 24 hours"
• "Final notice" / "Immediate action required"
• "Dear Customer" or "Dear User" instead of your real name
• Threats of fines, account closure, legal action, or arrest
• Promises of refunds, prizes, or money you didn't earn
• Spelling and grammar mistakes in messages claiming to come from a major brand

3

Hover over every link before clicking

30 sec

On a desktop, hover the mouse over the link without clicking. The real destination shows in the bottom-left status bar of your browser or email client. On a phone, long-press the link to preview the URL.

• Real Microsoft, PayPal, or bank links go to those exact domains, not redirects through unrelated sites
• Shortened URLs (bit.ly, tinyurl, t.co) hide the real destination - never click them in unsolicited mail
• The visible link text and the actual URL must match - mismatches are the single biggest phishing red flag

Pro tip

When in doubt, don't click the link. Open a new browser tab and type the company's address yourself, then log in normally. If there really is an issue with your account, you'll see it there.

4

Treat unexpected attachments as hostile

30 sec

If you didn't ask for the file, don't open it - even if it appears to come from someone you know. Categories that should never be opened from email without verification through another channel:

• .exe, .scr, .iso, .img, .vbs, .bat - executables, never legitimate attachments
• .docx, .xlsx, .pptx with "Enable macros" prompts - the macros run the malware
• .pdf with "Click here to view" buttons - usually a phishing redirect, not a real document
• .zip, .rar, .7z archives, especially password-protected ones - the password defeats the email scanner

Phase 2~ 2 min

Report and delete - if you haven't engaged

---

If you only received the email and didn't reply, click, or open anything, the steps below are all you need. Your computer is not infected.

5

Don't reply, don't click "unsubscribe"

30 sec

Replying confirms your address is real and monitored, which gets you added to higher-value scam lists. The "unsubscribe" link in a scam message is rarely a real opt-out - it usually leads to a phishing page or downloads a tracking pixel.

Instead, mark the message as junk or phishing inside your email client (this trains the spam filter), then block the sender.

6

Report the scam to your email provider and authorities

1 min

Inside your email client:

• Gmail: open the message → ⋮ menu → Report phishing
• Outlook / Outlook.com: ⋯ menu → Report → Report phishing
• Apple Mail / iCloud: Move to Junk, then forward to reportphishing@apple.com

Forward or report to authorities:

• International: forward to reportphishing@apwg.org
• United States: ic3.gov (FBI)
• United Kingdom: forward phishing emails to report@phishing.gov.uk (NCSC SERS); for financial loss report at reportfraud.police.uk (Report Fraud, the successor to Action Fraud; 0300 123 2040)
• Canada: antifraudcentre.ca
• Australia: scamwatch.gov.au
• EU: your national CERT - find yours via the ENISA CSIRT map

After reporting, delete the email and empty the Trash folder so you don't accidentally open it later.

Phase 3~ 10–60 min

Recover - if you already engaged with the scam

---

Pick the step below that matches what you did. If multiple apply, work through them in the order they appear - the steps are arranged from lowest to highest risk.

7

You only clicked a link (didn't enter anything or download anything)

Scenario: clicked link only10 min

Close the page right away. Don't enter any information, even if the page looks legitimate.

• Clear your browser cache and cookies for the last hour - Chrome/Edge: Ctrl+Shift+Del → Last hour → check Cookies and Cached files
• Run a quick scan with Combo Cleaner in case the page tried to drop a file silently (drive-by download)
• Update your browser to the latest version - most drive-by exploits target outdated browsers
• Watch for new browser pop-ups, redirects, or unfamiliar notifications over the next few days

Why this matters

Modern browsers block most drive-by attacks, but a single click on a phishing page can still be enough on an outdated browser or unpatched plugin. A quick scan catches anything that landed silently.

8

You opened an attachment or downloaded a file - run a full malware scan

Scenario: opened attachment⚠ Highest risk60–90 min

Opening an attachment is the most common path to actual infection. Treat the system as compromised until the scans below come back clean. Work through these sub-steps in order:

8.1Disconnect from the network

Unplug Ethernet and turn off Wi-Fi. If the attachment was an info-stealer or remote-access trojan, this stops it from sending data out or receiving commands. Keep the network off until you've booted into Safe Mode (next step) - you'll reconnect there briefly to download the scanners.

8.2Boot into Safe Mode with Networking, then download the scanners

Windows 11: Settings → System → Recovery → Advanced startup → Restart now → Troubleshoot → Advanced options → Startup Settings → Restart → press 5 or F5.

Windows 10: hold Shift, click Power → Restart → Troubleshoot → Advanced options → Startup Settings → Restart → press F5.

Once Safe Mode has loaded, turn Wi-Fi back on and download Combo Cleaner (used in 8.4) and Microsoft Safety Scanner (used in 8.5). Safe Mode loads only minimal drivers, so most malware can't auto-run while you're getting the tools. Save both installers to your Desktop.

8.3Run Microsoft Defender Offline

Reboot to normal Windows. Open Windows Security → Virus & threat protection → Scan options. Select Microsoft Defender Antivirus (offline scan) and click Scan now. The PC restarts into a stripped-down environment and scans the disk before Windows fully loads - this is what catches rootkits and bootkits.

Recommended antivirus

Combo Cleaner

VB100 certified. Includes anti-trojan, registry/persistence scanning, and anti-spyware in one pass. The 7-day free trial is available.

Download Combo Cleaner

8.4Run a full Combo Cleaner scan

Install Combo Cleaner and run a full system scan (not the quick scan). Let it complete fully, review what it found, and apply the recommended actions. Combo Cleaner will quarantine known trojans and remove their persistence in the registry.

8.5Run Microsoft Safety Scanner as a second-opinion scan

Download Microsoft Safety Scanner (MSERT.exe). The binary expires every 10 days, which means every download has the latest signatures. Run a full scan after Combo Cleaner to catch anything one engine alone might miss.

8.6Reset browsers and clear notification permissions

Many email-borne trojans drop adware that hijacks browsers. Reset each browser you use:

Chrome: chrome://settings/reset → Restore settings to their original defaults. Then chrome://settings/content/notifications - remove unfamiliar sites.

Edge: edge://settings/reset. Then edge://settings/content/notifications.

Firefox: about:support → Refresh Firefox.

8.7Re-enable Defender, Tamper Protection, and update everything

Open Windows Security → Virus & threat protection → Manage settings and confirm Real-time protection, Cloud-delivered protection, and Tamper Protection are all on. Then run Settings → Windows Update → Check for updates and update browsers and applications.

Important

If the scans keep finding new threats on each run, or files reappear after deletion, you may have a deeper compromise that needs a clean Windows reinstall. See pcrisk's full manual malware removal guide for the extended procedure (Process Explorer, Autoruns, hosts file inspection).

9

You entered credentials on a fake login page

Scenario: shared password⚠ Act fast20 min

Assume the attacker has your password and is using it right now. Speed matters.

1. Change the password from a different, known-clean device (your phone is fine if it's not infected). Don't reuse the old password anywhere else.
2. Enable two-factor authentication if you haven't already. Prefer an authenticator app or hardware key over SMS.
3. Sign out of all sessions - most platforms have a "sign out everywhere" option in security settings, which kicks the attacker out.
4. Review recent activity - look for unfamiliar logins, new devices, forwarding rules, or app permissions. Remove anything you don't recognize.
5. Check your other accounts - if you reused that password anywhere else, change it there too. Check your exposure at haveibeenpwned.com.
6. Update security questions - the attacker may have seen the answers in your account profile.

Why email comes first

If you only have time to change one password, change your primary email password - it's the recovery hub for every other account. An attacker who controls your email can reset everything else.

10

You sent money or shared bank, card, or ID details

Scenario: financial loss⚠ Contact bank now30 min

Time is the single biggest factor in recovering money. Banks can sometimes recall a wire or reverse a card transaction within the first few hours.

1. Call your bank or card issuer immediately. Use the number on the back of the card, not any number from the scam email. Ask them to freeze the card, reverse the transaction if possible, and flag the account for fraud monitoring.
2. If you sent a wire transfer or used a money-transfer service (Western Union, MoneyGram, Zelle, Wise), call them directly and request a recall. Some can be reversed within minutes if reported fast.
3. If you sent cryptocurrency or gift cards, recovery is unlikely - but report it anyway, since law enforcement tracks these patterns.
4. File a police report. You'll need the report number for any insurance, bank, or credit-bureau claim. Save the report number.
5. File with the right authority for your country:
   • US: ic3.gov + reportfraud.ftc.gov
   • UK: reportfraud.police.uk (Report Fraud, the successor to Action Fraud; 0300 123 2040)
   • Canada: antifraudcentre.ca
   • Australia: scamwatch.gov.au
   • EU: your national CERT or police cybercrime unit
6. Set fraud alerts on all major credit bureaus if you shared any ID details. US: Equifax, Experian, TransUnion. UK: Experian, Equifax, TransUnion (Cifas Protective Registration is a stronger option).
7. Save all evidence - the original email (with full headers), screenshots of the fake site, transaction records, any phone numbers or chat logs.

Phase 4~ 15 min + 30 days

Verify & monitor

---

11

Final scan and startup-app check

15 min

Reconnect to the network and run one final full scan with Combo Cleaner, followed by a Windows Defender quick scan. Then open Task Manager (Ctrl + Shift + Esc) and switch to Startup apps - disable anything unfamiliar.

Make sure Windows, browsers, and any applications you use are fully up to date. The infection vector that worked on you once usually involves outdated software.

12

Monitor accounts and credit for 30 days

5 min/day · 30 days

Most fraud follow-ups land in the first month. Until that window closes, keep watching:

• Bank and card statements - daily for the first week, then weekly
• Email - watch for password-reset confirmations or login alerts you didn't trigger
• Credit report - US: free at annualcreditreport.com; UK: Experian, Equifax, TransUnion all have free tiers
• Breach alerts - sign up at haveibeenpwned.com to be notified when your email appears in new leaks

If anything new appears in any of those, treat it as a continuing compromise: change passwords again, contact the bank again, and update the police report.

Important: If you didn't click anything, didn't reply, and didn't open any attachment, your computer is not infected - just delete the email and move on. If you opened an attachment or downloaded a file, run an automated scan with Combo Cleaner and Windows Defender and stop there. That path catches the vast majority of email-borne malware without the risk of breaking Windows by deleting the wrong file.

Frequently Asked Questions (FAQ)

Why did I receive this email?

Even if they include information relevant to the recipients, spam emails are not personal. Thousands of users receive identical mail because cyber criminals are hoping that at least some of the recipients will fall for their scams.

I have provided my personal information when tricked by this spam email, what should I do?

If you have provided your log-in credentials – change the passwords of all potentially exposed accounts and inform their official support without delay. However, if the disclosed information was of a different personal nature (e.g., ID card details, credit card numbers, etc.) – immediately contact relevant authorities.

I have read a spam email but didn't open the attachment, is my computer infected?

Reading an email is harmless; devices are infected when malicious attachments or links are opened/clicked.

I have downloaded and opened a file attached to a spam email, is my computer infected?

If the opened file was an executable (.exe, .run, etc.) – it is most likely the case that your device was infected. However, you might have avoided the infection if it was a document (.doc, .xls, .pdf, etc.). These formats may need extra actions (e.g., enabling macro commands, clicking embedded content, etc.) to begin malware download/installation.

Will Combo Cleaner remove malware infections present in email attachments?

Yes, Combo Cleaner is designed to scan computers and eliminate all manner of threats. It can detect and remove most of the known malware infections. Note that since sophisticated malicious software tends to hide deep within systems – performing a complete system scan is paramount.