Don't fall for romance fraud this Valentine's Day

For many people, the internet has opened up new ways to stay connected. Dating websites, Facebook and messaging apps can be a lovely way to meet new people, but alongside genuine connections are cruel scams designed to deceive and take advantage.

Online romance fraud is one of the fastest-growing scams in the UK, with more than £106m lost to it in 2024. Unfortunately, older people are often targeted and scam attempts are becoming more sophisticated, especially now that artificial intelligence (AI) can be used to deceive people in ways that feel very real.

By staying informed, asking questions, and accessing information and advice you trust, you can enjoy the benefits of online connection while protecting yourself from harm.

What is romance fraud?

Romance fraud happens when someone pretends to form a genuine romantic relationship with you online, but their real goal is to take your money or personal information.

A scammer might contact you through:

• Dating websites/apps
• Facebook or other social media
• Messaging apps like WhatsApp

Over time, they build trust and emotional attachment before asking for money. Catfishing is similar. This is someone is pretending to be someone they’re not—using fake photos, a fake name, or a made-up life. Not all catfishing is about money, but it can still be emotionally painful and manipulative.

Red flags to look out for

Romance scammers often follow similar patterns. Be cautious if someone you’ve met online:

• Moves very quickly and declares strong feelings early on.
• Avoids meeting in person/video chatting or always has an excuse.
• Asks to move the conversation off the dating site to private messaging.
• Requests money, gift cards, or help with fees, travel costs, medical bills, or “investments”.
• Asks you to keep the relationship secret, even from family or friends.

How to protect yourself online

• Take your time - Don’t rush into sharing personal details or feelings and be wary of anyone who pushes for quick commitment.
• Never send money or financial details - Don’t send bank details, card numbers, or copies of ID.
• Be very cautious about cryptocurrency or “investment” opportunities.
• Talk to someone you trust - Share what’s happening with a friend, family member, or seek advice from a professional, as often a fresh pair of eyes can spot warning signs more easily.
• Check their story - Scammers often reuse photos and stories, a reverse image search can sometimes reveal fake profiles.
• Trust your instincts. If something feels off, it probably is.

What to do if you suspect a scam

If you think you or someone you care about may be involved in a romance scam:

• Cease contact with the individual.
• If money has already been sent, contact your bank as soon as possible.
• Contact Police Scotland on 101 (or 999 if there’s immediate danger).
• Don’t feel embarrassed. These criminals are professionals and reporting helps protect others as well as yourself.

Online relationships can be genuine and rewarding - but they should never cost you your savings, your security, or your peace of mind. If something doesn’t feel right, trust your instincts and talk to someone.

Access more support and advice to help you stay safe online at age.scot/onlinesafety.