Pause
Resistance to urgency, secrecy, fear and emotional pressure.
Free 3-minute assessment
Smart people get scammed.
Prepared people pause.
Discover the pressure tactics most likely to catch you off guard—and learn one safer move for every blind spot.
No sign-upNo shamePractical next steps
ASSESS YOUR HABITS
How scam-resilient are you?
Work through realistic messages and moments of pressure. Get a personal resilience profile—not a judgment.
KNOW THE PATTERN
Explore the scam field guide
See how impersonation, investment, marketplace and relationship scams unfold—before they reach you.
THE RESILIENCE CHECK
Ten everyday decisions.
One clearer picture.
This educational check looks at habits—not intelligence or character. Your answers stay in this browser and are not sent anywhere.
About 3 minutes
Realistic scenarios
Four safety skills
Personal next steps
THE SCAM FIELD GUIDE
Recognise the pattern,
not just the message.
Scams change names, brands and channels. Their underlying pressure tactics repeat. Explore concise, sourced field notes reviewed on 18 August 2026.
Impersonation01
Fake bank fraud department
A caller warns that your account is under attack, then asks for a code or tells you to move your money.
First signalThey ask for a one-time verification code
Open field note ↗Impersonation02
Verification-code theft
Someone who already has your password tries to persuade you to reveal the second code needed to enter your account.
First signalA person asks you to read back a code
Open field note ↗Impersonation03
Family emergency and voice clone
A caller or message claims a loved one is in trouble and needs money urgently—and may imitate their voice.
First signalYou are told to keep the situation secret
Open field note ↗Impersonation04
Government impersonation
A supposed official threatens arrest, fines, lost benefits, immigration trouble, or another urgent consequence.
First signalAn unexpected official demands immediate payment
Open field note ↗Jobs05
Task or product-boosting job
An unexpected recruiter offers easy online work, shows fake earnings, then requires deposits to unlock tasks or withdrawals.
First signalThe offer arrives unexpectedly on WhatsApp or Telegram
Open field note ↗Jobs06
Fake recruiter or remote job
A fake employer collects personal information, sells equipment, sends a fake check, or asks you to move money or packages.
First signalThe interview happens only by text
Open field note ↗Investing07
Fake crypto investment platform
A contact, coach or romantic interest guides you to a convincing platform that displays profits you cannot actually withdraw.
First signalReturns are guaranteed or described as low-risk
Open field note ↗Investing08
Refund or recovery scam
After a loss, someone claims they can recover your money—for an upfront fee or more personal information.
First signalThey know about your earlier loss and contact you first
Open field note ↗Shopping09
Marketplace overpayment
A buyer sends a check for too much and asks you to forward or refund the difference before the fake payment is discovered.
First signalA buyer pays more than the asking price
Open field note ↗Shopping10
Delivery problem text
A text claims a parcel cannot be delivered and links to a fake tracking or fee page.
First signalThe message is unexpected and urgent
Open field note ↗Technology11
QR-code phishing
A pasted-over or messaged QR code opens a lookalike login or payment page—or attempts to install malware.
First signalA sticker covers the original code
Open field note ↗Relationships12
Romance and investment grooming
A new online relationship develops steadily before money problems or a supposedly profitable investment enter the conversation.
First signalThey repeatedly cannot meet or video chat
Open field note ↗Technology13
Fake tech support
A pop-up, call or renewal notice claims your device or subscription has a serious problem and directs you to a fake technician.
First signalAn unsolicited technician says your device is infected
Open field note ↗IF YOU THINK YOU WERE SCAMMED
Act quickly.
Start in the right place.
Reporting systems vary, but the first actions are remarkably consistent. If anyone is in immediate danger, contact local emergency services.
- 01
Stop the money
Call the bank, card issuer or payment service through an official channel. Ask about stopping or reversing the transaction.
- 02
Secure access
Change exposed passwords, end other sessions and enable multi-factor authentication. Start with email and financial accounts.
- 03
Keep evidence
Save messages, receipts, account details, phone numbers, URLs and a short timeline. Do not continue negotiating with the scammer.
- 04
Report locally
Choose your region below. A scam-reporting service and a police report may serve different purposes, so read the local note.
United StatesConsumer fraud, identity theft and internet-enabled crime+
FIRST MOVE
Contact the bank, card issuer, transfer service or crypto exchange used. Ask whether the transaction can be stopped or reversed.CanadaFraud, identity crime and cybercrime+
FIRST MOVE
Contact the financial institution involved, then notify local police if money, identity information or account access was lost.United KingdomEngland, Wales, Northern Ireland and Scotland+
FIRST MOVE
Tell the bank or payment provider immediately. If someone is in immediate danger or a crime is in progress, use the emergency services.Report Fraud replaced Action Fraud in December 2025.
European Union & EEACountry-specific cybercrime reporting across Europe+
FIRST MOVE
Contact the payment provider first, then use your national police or cybercrime reporting service. Reporting systems differ by country.Europol does not replace national reporting. Where no online route exists, it advises contacting local police.
EstoniaCyber incidents affecting people, organisations or .ee resources+
FIRST MOVE
Contact your bank immediately for a payment scam. For a technical compromise, disconnect affected access where safe and preserve evidence.AustraliaScam intelligence, cybercrime and identity support+
FIRST MOVE
Contact the bank or card provider now. Scamwatch advises acting quickly when financial or personal information has been stolen.A Scamwatch report is not itself an official police report.
New ZealandOnline scams, phishing, account compromise and cyber incidents+
FIRST MOVE
Contact the relevant bank or platform. If there is financial loss or another crime, also contact New Zealand Police.IndiaOnline financial fraud and other cybercrime+
FIRST MOVE
For online financial fraud, call the national cybercrime helpline on 1930 as quickly as possible and contact the bank or payment provider.For an emergency, India’s national police helpline is 112.
SingaporeScam checking, bank intervention and police reporting+
FIRST MOVE
Call your bank or activate its emergency kill-switch immediately if banking access or money may be at risk.Submitting a suspicious item to ScamShield is not the same as filing a police report.
ElsewhereA safe starting point in any country+
FIRST MOVE
Contact the bank, card issuer, transfer service or platform first. Then report to your national or local police or official cybercrime unit.Use contact details you find independently on an official government or provider website. Do not use numbers or links supplied by the suspected scammer.
Look for an official government, police or national cybercrime reporting service in your country.
This directory provides general signposting, not legal or financial advice. Services, eligibility and phone numbers can change; verify details on the linked official website.
HOW THE CHECK WORKS
A useful prompt,
not a crystal ball.
ScamIQ cannot predict whether you will be scammed. It turns four observable safety habits into an educational snapshot so you can choose what to strengthen next.
Verify
Checking claims through a channel you find independently.
Protect
Account safeguards such as unique passwords and MFA.
Pay
Recognising unusual, forced or hard-to-reverse payments.
The security guidance behind the check is consistent with advice from the U.S. Cybersecurity and Infrastructure Security Agency. ScamIQ does not diagnose personal vulnerability, and a strong score is never a guarantee of safety.
Why this matters
$16 billionin fraud losses were reported by U.S. consumers in 2025—the highest recorded total.FTC source ↗