You match with someone on a dating app. They seem perfect — kind, attentive, successful. After weeks of daily conversations, they ask for money to help with a medical emergency, a business opportunity, or travel expenses. This is the romance scam, and it's one of the most financially damaging online scams, with victims losing an average of $15,000 each.
Here's how to spot and avoid romance scams.
How Romance Scams Work
Scammers create fake profiles on dating apps and social media. They build emotional connections over weeks or months, then fabricate a crisis requiring financial help. They often claim to be in the military, working overseas, or in business travel to explain why they can't meet in person.
Red Flags of Romance Scams
- Profiles that seem too good to be true.
- Quick declarations of love or deep emotional attachment.
- Excuses for not video calling or meeting in person.
- Requests for money for emergencies, travel, or business investments.
- Requests for payment via gift cards, wire transfers, or cryptocurrency.
How to Protect Yourself
- Never send money to someone you haven't met in person.
- Do a reverse image search of profile photos.
- Be suspicious of people who avoid video calls.
- Trust your instincts — if something feels off, it probably is.
Final Thoughts
Romance scammers are skilled manipulators who exploit loneliness and trust. If someone you've only met online asks for money, it's a major red flag. Share this with friends and family who use dating apps.