Online Scams — Too Good to Be True

The Modern Con Artist

Online scams come dressed in all shapes and sizes, like the promise of a dream investment, a surprise prize, or even a message from someone “in love.” The people behind them know how to push your buttons, and they're very good at engaging you on an emotional level. They use flattery, fear, or excitement to get what they want: first, your trust, and then, your money.

What makes these scams dangerous is how believable they look. A fake ad might use a real logo. A dating scam might build months of conversation before asking for money. By the time most people realise, it’s already too late.

Common Traps to Watch For

Social media is awash with scams and is a place where you need to be extra vigilant. You may see a social media post promising a quick return on investment or a “can’t-miss” job offer that requires you to pay a fee. Many are designed to look like fundraising for good causes, like food for children in third-world countries, or charity events for an ill or injured family member. Sadly, there is nothing the scammers won't lie about, and they will trample all over your feelings just to scam a dollar.

Some scams arrive through texts about missing parcels or overdue bills. Others start with friendship and end with requests for help, but one of the biggest red flags to watch for is if someone’s pushing you to decide fast! Whether it’s for love, illness, money, or opportunity — that’s your cue to pause.

How to Protect Yourself from Online Scams

Ask yourself this one simple question: does this feel rushed or too good to be true?  If the answer is yes, step away. Talk it over with a friend or family member before sending money or details.

Look up reviews, verify company ABNs, and never pay through unusual methods like gift cards or cryptocurrency. When in doubt, it’s okay to say no.

Ultimately, nothing bad will happen to anyone, anywhere in the world, if you simply say "no" and delete the message.

If You’ve Been Scammed

If you’ve already paid or shared details, contact your bank immediately to advise them, and change all your banking passwords. Then report the scam at Scamwatch so you can help prevent others from being caught up in a scam.

Sometimes, if the incident is local to you, like an online marketplace scam, you can also contact local police and let them know what happened.

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Quick Check: Staying Scam-Smart

✅ Do:

• Double-check unexpected offers.

• Verify company details.

• Ask a trusted person before paying.

• Report scams to Scamwatch.

🚫 Don’t:

• Pay through gift cards or crypto.

• Rush decisions under pressure.

• Share personal info with strangers.