Romance emergency scam
Quick answer
An online relationship that introduces a sudden crisis requiring money or crypto.
- Do not send money to anyone you have not met. Talk to a trusted friend and stop if money is requested.
What it is
An online relationship that introduces a sudden crisis requiring money or crypto.
How it works
After building trust, the scammer claims an emergency - medical, travel, or legal - that only an urgent transfer can solve, often with secrecy.
Red flags to watch for
- A fast, intense relationship with no meeting
- Reasons never to video call
- A sudden emergency needing money
- Requests for secrecy
What not to do
- Do not act under time pressure
- Do not share codes, passwords, or card details
- Do not click links or pay fees from the message
The safe next step
Do not send money to anyone you have not met. Talk to a trusted friend and stop if money is requested.
Often seen on: SMS, Email, WhatsApp, Social media.
Commonly targets: Dating-app and social media users, People seeking companionship.
How to verify safely
- Do not use links, phone numbers, QR codes, or email addresses from the suspicious message.
- Open the official app or website yourself - type the address manually.
- Call a contact you have saved, or the number printed on your bank card.
- If you are threatened or in immediate danger, contact local emergency services or police.
How to report it
Report to your country's fraud or cybercrime authority; see the reporting directory for official links.
Find official links for your country in the scam reporting directory.
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Frequently asked questions
What is a romance emergency scam?
An online relationship that introduces a sudden crisis requiring money or crypto.
How can I avoid a romance emergency scam?
Do not send money to anyone you have not met. Talk to a trusted friend and stop if money is requested.
What should I do if I have already been affected?
Contact your bank or the relevant provider through official channels, change any exposed passwords from a trusted device, and save evidence. See our recovery guides, and be wary of recovery scams that promise to get your money back for a fee.