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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>
If you’re an expat who has sent money abroad in the past, then you’ve probably seen the term IBAN. If you aren’t sure what this is, it’s simply an International Bank Account Numberwhich is a code that helps banks to identify your bank account internationally if you want to move your money between different countries.
The IBAN linked to your account is basically your passport to sending international payments to friends and family who live abroad. It’s quite a long number - up to 34 characters - so make sure you write it down!
If you want to send money to an IBAN account, there are different ways to do it - and some are much easier than others!
Send money to an IBAN-linked bank account
If you want to send money to an international bank account you’ll need your recipient’s IBAN so that the transaction is as smooth as possible, with no hiccups! What is an IBAN: Example IBAN numbers by country.
You could travel to a high street bank or money transfer store to do this, but you may be met with high transfer fees and slow transfer times.
On the other hand, you can send money to a bank account online with Paysend, using our low, flat fees and fast transfer speeds. You can choose to send money from either the Paysend app or via our website, and the money will usually arrive within minutes - 75% of our transfers arrive in 20 seconds or less!
If you want to send money to an IBAN account with Paysend, you can do this with no transfer fee for the transaction. Plus, we use competitive exchange rates to make sure you and your recipient can make the most of your international transfer.
Head to the Paysend homepage to find out how much your recipient will receive with Paysend’s exchange rates.
How to send money without an IBAN
If you want to simplify things and send money without an IBAN number, you can do this with Paysend.
How?
Paysend’s unique card2card transferslet users send money abroad with just the recipient’s name and card number. This means that you don’t even need the IBAN number to send money internationally.
Sending money to a card account costs just £1, $2 or €1.5 in transfer fees (or equivalent depending where you’re travelling from) if you choose Paysend.
To get started and send money to an IBAN account or straight to a card, download the Paysend app today, or head to our homepage for more info.