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Sending money internationally has never been easier, but as digital payments become more popular, so do scams targeting unsuspecting senders. Fraudsters use various tactics to deceive people into transferring money, often pretending to be banks, employers, or even loved ones in distress.<\/p>
To help you stay protected, we’ve outlined some of the most common and most recent money transfer scams happening around the world and how you can avoid them.<\/p>
North America: Phishing Emails & Emergency Scams<\/h2>
On the rise in North America, phishing scams involve fake emails and texts pretending to be from your bank or a trusted company, urging you to take urgent action. These messages often contain links to fake websites designed to steal your login details.<\/p>
Another common scam is the emergency scam, where fraudsters pose as a relative or friend in distress, claiming they need immediate financial help. They might say they’ve been in an accident, lost their wallet or need urgent bail money.<\/p>
Tip:<\/strong> Always verify the sender’s identity before transferring money. Contact your bank directly if you receive an email or message about an account issue.<\/i><\/p>
South America: Money Laundering & Recruitment Scams<\/h2>
Fraudsters in South America often lure victims with \"job opportunities\" that involve handling money transfers. They ask individuals to send or receive money on behalf of others — without realising they are laundering stolen funds.<\/p>
How to stay safe: Never agree to move money for someone you don’t know. If a job sounds too good to be true, it probably is.<\/p>
Europe: Overpayment & Fake Job Scams<\/h2>
In overpayment scams, scammers send money to victims, then claim they \"accidentally\" sent too much and request a partial refund. But after the victim sends money back, the original transaction is reversed, leaving them out of pocket.<\/p>
Another common scheme in Europe is the fake job scam, where fraudsters post fake job listings that require applicants to pay a \"training fee\" or “visa processing charge.”<\/p>
Tip:<\/strong> Legitimate employers never ask for money upfront. Avoid sending refunds for overpayments — wait for the funds to fully clear before taking action.<\/i><\/p>
Africa: Lottery Scams & Advance-Fee Fraud<\/h2>
In Nigeria and other parts of Africa, lottery scams and advance-fee fraud remain common. Scammers claim you’ve won a big prize but need to pay a \"processing fee\" to receive it. Similarly, some fraudsters pretend to be officials promising inheritance payouts — if you just cover some minor costs first.<\/p>
Tip: <\/strong>If you didn’t enter a lottery, you didn’t win. Never pay upfront fees for winnings or unexpected “inheritances.”<\/i><\/p>
Asia: Investment Fraud & Crypto Scams<\/h2>
Scammers in Asia frequently target victims with fake investment opportunities. Promising \"guaranteed high returns\", fraudsters often lure people into Ponzi schemes or fraudulent cryptocurrency platforms, stealing funds once deposits are made.<\/p>
Tip:<\/strong> Always research investment platforms before sending money. If returns sound too good to be true, they probably are.<\/i><\/p>
Australia: Fake Charity & Donation Scams<\/h2>
Fake charity scams are particularly common in Australia, especially after natural disasters. Scammers pose as aid organisations, soliciting donations that never reach the intended cause. Tip: Only donate through verified charities. Check official websites before sending money.<\/p>
How to protect yourself from money transfer scams<\/h2>
No matter where you are in the world, these scams can strike when you least expect them. Here are some golden rules to keep your money safe:<\/p>
Only send money to people you know and trust.<\/li>
Be cautious of urgent or emotional requests. Scammers create a sense of panic to make you act fast.<\/li>
Verify sources before making a payment. Contact your bank, employer or the organisation directly.<\/li>
Alle ArtikelWhat’s the best way to transfer money abroad?
What’s the best way to transfer money abroad?
2020-08-03
All articles
Personal Finance Tips
The coronavirus pandemic has completely changed the way that you can send your money abroad, and you need to stay on top of what you can and can’t do when it comes to sending your money abroad.
The money transfer methods that you used in 2019 may not be the best way to send money abroad right now, as you don’t want to put yourself, your family, or others members of the public at risk.
Here are the main ways you can send money, along with some information about how they have changed since the coronavirus pandemic:
Using your bank
Sending money with the bank that you use for your day-to-day money management was a very popular method before the pandemic, but since lockdown restrictions forced people to stay at home, trips to the bank were made very difficult.
Because of this, many more people decided to find alternative methods, such as using an online money transfer company, and found that the fees were much lower and the exchange rates much better with these new methods. And as a bonus, they didn’t have to spend any time travelling or queueing up!
Using a high-street transfer company
You’ll find a number of money transfer outlets in off licences and post offices that will let you send money abroad for a cash pick-up or straight to a bank account, but similarly to high street banks, lockdown has shown people that there are better options out there that don’t require travelling from the comfort of home!
High-street transfer companies sometimes have really high fees and poor exchange rates depending on which pick-up method you choose, so be careful!
Using an online transfer company
Sending money online from a smartphone app or your laptop might just be the easiest method because you don’t need to leave home, and so there is no chance of contracting or spreading coronavirus on your way to sending money!
Sending money abroad online is usually low-cost, with flat fees and excellent exchange rates. Many people have switched to online transfers since lockdown, and have absolutely loved the experience and the price!
Using a foreign exchange broker
If you’re sending a large amount of money abroad, or you’re a business, then you may choose to use an FX broker. You should be careful though because the fees can be very high and you may not think that it’s worth paying lots of commission to send your money! Signing up with an FX broker usually takes a couple of days, but thanks to coronavirus it can take even longer.
You’ll be able to find lots more options for sending money much more cheaply online, and if you’re a business you should check out services like Paysend Business.
Taking the money yourself
Before lockdown restrictions came into force, many people would move their money abroad simply by taking it themselves when traveling to visit friends and family abroad. Clearly, this is very expensive to do and in some cases impossible thanks to coronavirus travel limitations.
In addition, taking physical cash and physically crossing borders can increase the risk of transmitting the virus to your loved ones, so should be avoided wherever possible.
Paysendis an online money transfer platform that helps you to send money quickly, cheaply and easily from a smartphone app or web browser.
With Paysend, you can transfer money either to a bank account or directly to a card, using just the recipient’s name and card number. Sending to a bank is done with zero transfer fees, and to a card costs just £1, €1.5 or $2 - our transfer fees are always low, flat and transparent. Paysend always uses excellent, competitive exchange rates to help you and your recipient get the most from your money.
When you send money with Paysend to your friends and family abroad, it usually arrives within a few minutes of being sent, unless your recipient’s bank is slower than us at processing the payments!
Download the Paysend app today from the App Store or Google Play to get started!