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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>
The remote-working practices introduced at the start of the Covid-19 pandemic in 2020 have accelerated long-term staffing trends. Companies all over the world have come to recognise the benefits of offering staff the chance to operate from any location. At the same time, the rapid take-up of the latest communication and collaboration technology means that, when it comes to recruitment, businesses can take a more international approach to sourcing the best talent.
Digital nomads: financial and lifestyle advantages
The pandemic saw a sudden, sharp increase in the number of individuals – either company employees or contractors – taking advantage of new remote working policies to move to a completely new location, either permanently or on a temporary basis. The term ‘digital nomad’ was coined to describe people who are no longer constrained geographically by where their employer is located, and who rely on digital tools to work and communicate with colleagues or customers.
At the same time, there has been a major pandemic-driven rise in the number of freelance workers and contractors as people all over the world seek a better work-life balance. Recent statistics suggest that independent contractors added $1.3tn to the US economy in 2021, while there are thought to be more than 2 million freelance workers in the UK alone at present.
The benefits of remote contract work and digital nomadism can be significant: workers can move to countries or regions where the cost of living is lower, and where they can enjoy lifestyle improvements such as better weather or a more relaxed pace of life. The relatively high salaries paid in the United States mean that Americans make up a significant proportion of digital nomads. Figures published in March 2023 indicate that almost half of the world’s digital nomads originate in the US.
Businesses can benefit too
This approach can also benefit employers: by implementing a remote-working policy, businesses can become more attractive places to work while also increasing the range of talent available to them. The introduction of systems that make it possible to operate anywhere in the world enables firms to advertise roles in new markets where the skills they need may be available at a lower cost.
This was particularly valuable during the pandemic, when it was difficult for workers to move across borders to join a new employer. Today, on the other hand, it means companies who might previously have relied on migrant workers can in many cases access the same talent from a distance without requiring those individuals to relocate.
The challenges of cross-border working
While the benefits are clear, there are of course a number of challenges associated with allowing workers to move to new jurisdictions, or indeed with hiring staff or contractors who are based in different countries. These include:
Adhering to local employment laws: Depending on the nature of the relationship between the business and the worker, it could be necessary to ensure that local taxes are paid, and employee rights are respected.
The impact on domestic taxes: Employers may also face issues relating to staff who spend part of the year abroad and the rest of it in the domestic market.
Cybersecurity risks: Remote working can increase the chances of data loss or IT equipment being hacked, and employers need to make sure they have robust cybersecurity measures in place.
Payroll problems: Getting payments to staff or contractors in a variety of locations and using a wide range of currencies can present significant hurdles. Traditional international payment services offered by mainstream banks may not be flexible enough to handle regular changes in where employees are based.
Alexander Budyakov, head of enterprise at Paysend
“From the digital nomad’s point of view, the ability to get paid on time and in the currency of their choosing is perhaps the most important element of the remote-working relationship. By partnering with Paysend’s cutting-edge payment technology, payroll operators can ensure cash can be delivered with the minimum of hassle directly to workers, regardless of where in the world they are based.”