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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>
Being able to source goods and services from overseas suppliers gives companies the opportunity to reduce their costs as well as increase the quality of the products and skills available to them. But managing relationships with suppliers in other countries can add an extra layer of operational complexity for management teams to consider.
Aside from the increased complexity in logistics, SMEs should also be aware of local tax liabilities, employment regulation and payment processing. Despite these considerations, Ashley Mallet, head of business at Paysend, says there has never been an easier time to ‘go global’: “Working with overseas suppliers can provide a wide range of benefits to UK firms – and there is no need for businesses to be nervous about entering into a cross-border partnership for the first time. Today’s communication and financial technology means that dealing with and managing foreign suppliers, whether they are manufacturers, wholesalers or contract workers, has never been easier.”
Make sure the price is right
The first and often most important consideration of working a new supplier, regardless of where they are based, is the cost of the goods or services they are providing. If you’re dealing in a foreign currency, you need to work out not just whether the deal is attractive at today’s exchange rate, but also what room for currency fluctuations you have.
Depending on the agreement you put in place with your supplier (see below), you may be able to agree a rate in sterling for a certain period, which will help protect you against any falls in the value of the pound.
Get a solid supply agreement
Consider including any contractual terms around pricing as part of a wider supply agreement, which could also cover:
What the goods or services you are buying actually are.
If there is a minimum order quantity you need to meet, or a minimum number of hours that a contractor can be expected to work every month.
How payment will be made, for example how often and in what currency.
Who is responsible for shipping costs, and how the burden of any delays is shared or apportioned.
Whether you or the supplier are allowed to work with any rivals during the period the agreement is in force.
If goods are being sent across borders, you also need to set out who is responsible for dealing with and paying for customs procedures, for example.
Establish a relationship
While it may not be feasible to visit every supplier in person, it is worth trying to establish some sort of personal relationship, whether it is with your key contact at the business or an individual contractor or freelancer. Initial contact has been made much simpler to manage through the mass adoption of Teams and Zoom. Once a relationship is established, follow-up meetings should be scheduled on a regular basis.
Know your legal obligations
You will also need to understand any legal requirements that result from your relationship with a foreign supplier. For example, if you are employing foreign contractors to carry out work for you, you may need to adhere to local labour or tax laws while also complying with UK regulations. In some cases, it could be worth exploring an ‘employer of record’ service. This involves a third-party organisation acting as the legal entity employing foreign workers and taking responsibility for handling relevant regulations.
Choose the right payment solution
Making cross-border payments on time, in accordance with your contractual terms and with the minimum of hassle is key to successful relationships with overseas suppliers.
For SMEs, the benefits of using overseas suppliers are significant, but so are the possible complexities. Management teams that want to reap the rewards of wider talent pools and more cost-effective suppliers should be prepared – and properly set-up – to negotiate, process and pay before they engage with overseas partners.
Ashley Mallett, Head of Paysend Business
“Until recently, the red tape and general inefficiency surrounding international bank transfers has been a major stumbling block for UK businesses that want to deal with suppliers in other countries. But fintech innovation – specifically in payment technology – has changed all that. Now SMEs have access to payment services that they can register for in a matter of minutes, giving them the opportunity to make instant cash transfers to partners or contractors wherever they are in the world.”