There are two big clues to email scam (phishing) emails:
The first is that organisations that know who you are (your bank, PayPal etc.) will always address you by name. Any email that begins "Dear User" or "Dear Customer" is likely to be questionable.
The second is a bit harder to spot. Hyperlinks in emails can be set up like the one below:
It appears to be taking you to a DW resource, but it's really going to take you to Google. Always hover over a link before clicking it, and check that it will take you where you think it will. Best of all though is, if you are requested to log in (to your bank, PayPal, etc.), use your 'favourites' or type the URL in directly.