Staying Safe Online: A Guide to Spotting and Avoiding Scams in Later Life

While the internet offers convenience and connection, it also opens the door to fraudsters looking to exploit unsuspecting users. Understanding the risks and knowing how to protect yourself is key to staying safe online.

The rise of online scams

Cybercrime is on the rise, and older adults are increasingly being targeted. According to Age UK, nearly a quarter of people aged 65 and over believe they’ve been targeted by scammers. Fraudsters often perceive older individuals as more trusting or less familiar with digital technology, making them prime targets for financial scams.

Common types of online fraud

There are many types of fraud circulating online, but some of the most common include:

• Phishing emails - These are designed to look like they’re from legitimate companies and often ask for personal or financial information.

• Imposter scams - Fraudsters may pretend to be from your bank, the police, or even a family member in distress.

• Investment and pension scams - These scams promise high returns and may involve handing over sensitive information or money.

• Romance scams - Scammers build fake relationships online to gain trust and eventually ask for money.

How to spot a scam

Recognising the red flags can help you avoid falling victim. Be cautious if:

• The message urges you to act quickly or keep something a secret.

• You’re asked to provide personal or financial information via email or phone.

• The message contains spelling errors or unusual formatting.

• The sender’s email address doesn’t match the company’s official domain.

Online safety tips

Here are some practical steps you can take to protect yourself:

• Use strong, unique passwords for each of your online accounts.

• Enable two-factor authentication where possible.

• Keep your software and antivirus programs up to date.

• Be cautious of unsolicited messages, even if they appear to come from someone you know.

• Verify requests for money or information by contacting the person or organisation directly using a trusted method.

Staying informed

Staying informed is one of the best ways to protect yourself. Organisations like Age UK, Action Fraud, and CyberScotland offer valuable resources tailored to older adults. They provide guidance on how to avoid online scams and what to do if you think you’ve been targeted.

For more detailed examples of scams and additional tips on how to protect yourself, we encourage you to read our Preventing Scams guide available by clicking here.

Further resources

If you need further resources, or what to find out more about staying save online, you can access our online brochure by clicking here, or visit the below websites:

https://www.ageuk.org.uk/bp-assets/globalassets/redbridge-barking--havering/digital-champions/7.-a-beginners-guide-to-staying-safe-online.pdf

https://www.actionfraud.police.uk/

https://www.citizensadvice.org.uk/about-us/contact-us/

https://www.moneyhelper.org.uk/en/blog/scams-and-fraud/protect-yourself-from-illegal-finfluencers