The success SMS has with communicating effectively has not escaped the notice of crooks, who are increasingly using SMS in an attempt to steal money and personal information.
Some scammers gain access by a "phishing email" or SMS that looks real, but goes to a fake login.
The trick is to never click on a link in an email or SMS unless you are absolutely sure it's not a fake.
And with PayPal or "bank alerts", or "parcel delivery warnings", don't ever click the links. Go to the company's actual website via a browser instead (eg Chrome, Firefox).
Also be aware of fake invoices and orders that usually come into email with an attachment like a zip file or Word document....in fact I got one as I was typing this!
Delete these as soon as you get them. Don't ever open the attachment as it may be a virus or ransomware!
A good rule of thumb is, if in doubt, don't click!