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Festive season scams: five warning signs before you pay

Fake sale links, 'refund' calls and requests to scan a QR code to receive money spike during the festive season. Here is how to spot them, and what to do if you are caught out.

Illustration of a smartphone with app cards
Photo: Illustration: Signalfire News (synthetic)

Online shopping and payments peak during the festive season, and so do scams. Most of them rely on the same tricks: urgency, a too-good-to-be-true offer, and a request to share a code or install an app.

Five warning signs

  1. "Scan to receive money." Scanning a QR code or entering your PIN is only ever needed to pay, never to receive.
  2. An OTP request from a "bank" or "delivery" caller. Genuine staff do not ask for one-time passwords.
  3. A link with a huge discount on a famous product, especially from an unknown number or a lookalike website address.
  4. A request to install a screen-sharing or "support" app. These can let a stranger see and control your phone.
  5. Pressure. "Your account will be blocked in 10 minutes" is designed to stop you from thinking.

If you have been cheated

  • Call your bank immediately and ask them to block the card or account.
  • Report the fraud to the national cybercrime helpline or portal as soon as possible; speed matters.
  • Keep screenshots of messages, numbers and transaction IDs.
  • Change passwords for any account you may have shared details of.

"Scammers are good at stories," said cybersecurity researcher Aditi Banerjee. "The best defence is a habit: stop, hang up and check through a number you already trust."

Share these tips with older relatives, who are often targeted with calls in their own language.

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