We’re seeing increasing reports of a new type of scam, one that doesn’t always look like a scam at first.
Often, it starts with a simple message, a shared interest, or a friendly conversation online.
But over time, it can develop into something far more serious.
What is “friendship fraud”?
Recent reporting from The Guardian highlights a rise in “friendship fraud”. Where criminals build relationships with people online before asking for money.
Unlike traditional scams, this is rarely a quick interaction. It’s often slow, deliberate and personal.
A fraudster may:
- connect through Facebook, Instagram or online groups
- build trust over time using shared interests
- develop a genuine-feeling friendship
- gradually begin asking for financial help
The amounts are often small at first, but can build up significantly over time.
Why it’s so effective
This type of scam is effective because it doesn’t feel like fraud.
It relies on trust, familiarity and ongoing conversation.
It can particularly affect people who may be:
- feeling isolated or lonely
- recently bereaved
- spending more time online
- open to new friendships
In many cases, the fraudster invests a lot of time in building the relationship before ever asking for money.
What to look out for
Some common warning signs include:
- A new online connection that quickly becomes more personal
- Reluctance to meet or speak outside messaging
- Stories that don’t quite add up
- Requests for money, often urgent or emotional
- Requests for payment via bank transfer or gift cards
If money becomes part of the relationship, it’s important to pause and question it.
What to do
If something doesn’t feel right:
- Don’t send any money
- End contact with the individual
- Speak to your bank as soon as possible
- Report the incident to Report Fraud
If you’re concerned about a family member, a calm and supportive conversation can make a real difference. Age UK has online advice about scams and can be contacted for free at 0800 169 65 65.
Source: The Guardian ‘Friendship fraud: warnings of rise in ‘insidious’ scam targeting older people’
