“If it sounds too good to be true, it probably is.” – Anonymous
Sending money today is fast and easy—but so is getting scammed if you’re not careful. As digital payments grow, so do the tactics used by fraudsters to steal your hard-earned cash.
Whether it’s an emotional plea from a “loved one,” a job that seems too good to be true, or an urgent call from someone claiming to be from a government agency, scams can look very real—until it’s too late.
But knowledge is power. The more you know about how these scams work, the better you can protect yourself.
Common Money Transfer Scams to Watch Out For
1. Fake Emergency Scams
Someone pretends to be a friend or family member in trouble—maybe stranded abroad, in jail, or hospitalized. They pressure you to send money immediately, often with a warning not to tell anyone.
What to do: Pause. Verify. Call or check with someone else before sending money.
2. Overpayment Scams
A buyer sends you more money than agreed, then asks you to refund the difference. But the original payment bounces later, and you’re left with the loss.
What to do: Never return funds until a payment clears fully, which can take days.
3. Fake Job Scams
You’re hired quickly for a remote job and sent a check for “equipment.” You’re asked to deposit it and send part of it elsewhere. The check is fake, and you’re on the hook.
What to do: Research the company. Real employers don’t ask you to move money for them.
4. Romance Scams
A scammer builds a relationship online, gains your trust, then asks for money for emergencies.
What to do: Be cautious with online relationships—don’t send money to someone you’ve never met in person or over video.
5. Government Impersonation Scams
You receive a threatening call from someone claiming to be from the IRS, police, or another agency, demanding immediate payment.
What to do: Hang up. Real government agencies never demand instant payment via wire transfer or gift cards.
How to Protect Yourself
- Always verify who’s asking for money
- Don’t send money to someone you don’t know or haven’t met
- Avoid wire transfers or prepaid cards for payments unless you’re certain
- Use secure payment tools that offer fraud protection—like HelloMe Money
- Slow down—urgency is a scammer’s best tool
Stay Safe with HelloMe Money
At HelloMe Money, we make sending money simple, secure, and transparent. While we build tech to keep your funds safe, staying informed is your strongest line of defense.
If something feels off, take a step back and check. Your money is too valuable to risk a scam.
Need a fast, reliable way to send funds without the risk? Try Hellome Money today, where security meets simplicity.
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