How it works
Soon after a flood, fire, earthquake or tragedy in the news, you receive an emotional appeal by email, text, social media or phone. It uses real images and a charity name that sounds familiar, sometimes nearly identical to a well-known organisation.
You are urged to give immediately while the need is greatest, and steered toward gift cards, crypto or a crowdfunding link. The money goes straight to the scammer, and because these payment methods are hard to trace, it cannot be recovered.
Why it works and who is targeted
Generosity and compassion are exactly what the scam exploits: when people are moved by suffering, they want to help fast and may skip their usual checks. The fresher the disaster, the stronger the urge to act without thinking.
Kind-hearted donors, regular charity givers and people with a personal connection to a cause are prime targets. A name that closely mimics a trusted charity makes the request feel safe and familiar.
Red flags in detail
High-pressure urgency - give this second, every moment counts - is a classic manipulation, since real charities welcome a donation whenever it comes. Requests for gift cards, cryptocurrency or wire transfer are a strong warning, as legitimate charities accept normal, traceable payments.
Be cautious of vague descriptions of how funds are used, refusal to provide a registration number, and names that are slight variations on famous charities. Unsolicited thank-you messages for donations you never made can also be a setup.
What to do and how to stay safe
Give to charities you choose and look up yourself, by typing their official website address rather than following a link in a message. Check the organisation in an official charity register or seal-of-approval directory before donating.
Donate by traceable means such as card or bank transfer, never gift cards or crypto, and never feel rushed - a real cause will still need support tomorrow. If you are unsure, take a moment to verify; thoughtful giving still helps.
