Simple Steps to Avoid the Most Common Scams

Scams are everywhere—and they’re getting more sophisticated. Whether through fake ads, phone calls, or phishing emails, scammers aim to trick people into giving away money or sensitive information. They often pretend to be from trusted institutions like banks or government agencies, using fear and urgency to pressure victims into acting fast.

To help you stay safe, PayPal partnered with Code Ninjas, an educational platform that teaches kids how to code and think critically to solve real-world problems. Here’s a quick breakdown of the most common scams—and how to protect yourself.

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Vishing Scams

What it is:
A scammer calls pretending to be from a bank or government agency like the IRS. They’ll claim you owe money or face arrest, demanding sensitive info like your Social Security number or bank details.

How to stay safe:

• Don’t answer calls from unknown numbers.

• If you do pick up, hang up if it feels suspicious.

• Never give out personal info over the phone—legit agencies won’t ask you to.

Online Ad Scams

What it is:
Scammers create fake ads for high-demand items—like game consoles or luxury brands—at prices that seem too good to be true.

How to stay safe:

• Only shop from verified and reputable websites.

• Look out for misspelled URLs or sketchy product descriptions.

• Avoid clicking suspicious links—instead, go to the store’s official website.

“Safe Account” Scams

What it is:
You receive a text, call, or email from someone claiming your bank account is compromised. They tell you to transfer your funds to a “safe” account—controlled by them.

How to stay safe:

• Banks will never ask you to move money to another account.

• If in doubt, call your bank directly using the number on your card or statement.

• Hang up immediately if someone pressures you to act fast.

Fake Tech Support Scams

What it is:
You get a call, email, or pop-up warning that there’s something wrong with your computer. The scammer asks for remote access or tries to sell fake antivirus software.

How to stay safe:

• Tech companies don’t contact you about problems unless you reach out first.

• Never allow remote access unless you trust the source.

• For real tech issues, contact a trusted local technician or someone you know.

General Tips to Stay Safe Online

• Be cautious with unexpected messages or calls—especially those claiming to be from the government or banks.

• Think twice before buying from unknown websites, especially if deals seem unrealistic.

• Never rush. Scammers thrive on urgency. Take your time to assess before acting.

Final Thoughts

Online safety starts with awareness. By recognizing these common scams and understanding how they work, you can protect yourself and others from falling victim.

Stay informed. Stay alert. Stay safe.

PayPal and Code Ninjas are working together to build a smarter, safer internet for everyone.