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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>
With a population of over 1.3 billion people, India is a thriving hub with a diverse workforce helping to power the global economy.
There are about 2.7 million Indian immigrants currently living in the US, making up 1.2% of the country’s population. Many of these expats are still an important resource for their families living in India as they often send money home so that their loved ones can buy food, pay for the medical care they need and more.
Indian expats need a fast, secure and affordable way to send money home to their friends and family. Therefore, we put together a list of options available to help you make a better decision for transferring money internationally.
How can I send money to India?
Money transfer options can be split into two main categories: online or offline.
Traditional offline methods for sending money may be a better option for people who are not confident using technology. However, this method may take more time due to having to commute to a bank branch or remittance outlet and wait in a line to speak to a cashier.
If you’re comfortable using a smartphone or laptop, then you may want to consider sending money digitally using an online transfer service. This method may save you time and money as online transfers help avoid high commissions and waiting around for a bank to process the payment.
How can I send money from the US to India with Paysend?
Paysend offers a fast, affordable and easy way to send money online to India. All you have to do is download the clear and simple Paysend app, sign up, and in just a few taps you can cheaply and quickly send money to a loved one’s Indian bank account or via UPI payments.
But don’t just take our word for it. Check out our Truspilot page to discover what our 3.5 million customers think of Paysend and why nearly 90% have given us 5 stars!
How much does it cost to send money to India?
With our low and transparent transfer fee, you can send money from the US to India for just $2. Meaning you can transfer even more money home to your loved ones!
We also use competitive exchange rates, which means money transfers to India made with Paysend may be more affordable than other methods. You can find out exactly how much INR your recipient in India will receive by visiting this link: Money Transfers from USA to India.
How long does it take to transfer money to India?
Most of our transfers arrive in India in close to real-time of being sent, although it can take up to 3 business days depending on your recipient’s bank processing time. You may also read about how to easily transfer money to India online!
Download the Paysend app* from the the App Store or Google Play to start sending money to India today.
*Standard data rates from your wireless service provider may apply.