Scammers are getting smarter, but so can you.
Financial fraud isn’t just a risk—it’s a booming industry. In 2025, scammers are using AI, deepfakes, and sophisticated social engineering tactics to steal money faster than ever. As technology advances, so do their methods, making it harder to tell what’s real and what’s a scam. Even the most cautious people are finding themselves targeted by fraudsters who exploit fear, urgency, and trust to drain accounts before victims even realize what’s happened.
But staying informed is your best defense. The more you know about these evolving schemes, the better you can spot red flags before it’s too late. From AI-generated voice scams to fake investment opportunities, these 11 fraud tactics are taking off in 2025. Here’s what you need to watch for—and how to protect yourself before you become the next victim.
1. AI-powered voice scams are tricking people into sending money.
Imagine getting a desperate call from your spouse or child, saying they’ve been kidnapped or are in serious danger. Their voice is unmistakable, filled with panic—and they need money immediately. But here’s the terrifying part: it’s not really them. AI-generated voice scams have become so advanced that fraudsters can mimic anyone’s voice with just a short audio sample, making their demands seem real.
The best way to protect yourself is to verify the call before acting. Hang up and contact the person through a different method. Set up a family safe word for emergencies, and never send money based on fear alone. AI scams prey on emotions, so taking a moment to think critically can stop them in their tracks, as stated by Megan Cerullo at CBS News.
2. Deepfake video scams are fooling even tech-savvy victims.
A video call from your boss, financial advisor, or even a government official used to be a sign of legitimacy. Now, deepfake technology is making it possible for scammers to create eerily convincing fake videos, tricking victims into handing over sensitive information or transferring money. These scams are hitting businesses and individuals alike, making it harder than ever to separate real from fake, as reported by Alex Vakulov at Forbes.
If you receive an unexpected video call asking for financial action, verify the request separately. Call the person back using a trusted number or confirm details through official channels. If something feels slightly off—like unnatural eye movements or a delay between speech and lip movement—assume it’s a deepfake.
3. Fake job scams are stealing identities and draining bank accounts.
With remote work still on the rise, scammers are taking advantage of job seekers with fake employment offers, according to the writers of American Bankers Association. They post job listings that look real, complete with professional-looking websites and interview processes. Once hired, victims are asked to provide personal details, send money for training materials, or even deposit fraudulent checks into their accounts.
Always research a company before accepting a job. Verify their official website, contact their HR department, and never send money upfront for any reason. If an offer sounds too good to be true—especially if it involves high pay for minimal work—it’s likely a scam.
4. Fake investment platforms are wiping out savings.
Crypto, stocks, and high-yield investment opportunities are fertile ground for scammers. In 2025, fraudulent investment platforms are becoming more sophisticated, using real-looking websites, fake testimonials, and deepfake endorsements from celebrities to lure victims into handing over money.
Before investing in anything, check if the platform is registered with regulatory agencies like the SEC or FINRA. Look up reviews on independent sites and never trust investment tips from unsolicited messages. If you’re promised guaranteed high returns, assume it’s a scam—real investments always carry some risk.
5. QR code scams are directing people to fake payment sites.
QR codes are everywhere—from restaurant menus to parking meters. But scammers are replacing real QR codes with fake ones that direct users to fraudulent websites designed to steal payment details. Victims think they’re paying for a service, only to find their bank accounts emptied moments later.
Before scanning a QR code, check for tampering. If a sticker looks like it was placed over another code, be cautious. When in doubt, manually enter the website’s URL instead of scanning the code. For payments, use official apps instead of blindly trusting QR codes in public spaces.
6. Subscription scams are draining bank accounts without notice.
Scammers are now using “phantom subscriptions” to charge people for services they never signed up for. These charges are often small—$9.99 here, $12.99 there—making them easy to overlook on bank statements. Over time, these fraudulent charges add up, siphoning away money without raising suspicion.
Regularly review your bank and credit card statements for any unfamiliar charges. Use virtual cards for online subscriptions and set alerts for new transactions. If you notice a charge you don’t recognize, dispute it immediately and check if similar charges appear elsewhere.
7. Zelle and Venmo scams are exploiting instant transfers.
Scammers love instant payment apps because once money is sent, it’s almost impossible to get back. Common tactics include overpayment scams, fake refunds, and “friends in distress” messages claiming urgent need for cash. Because these apps don’t offer fraud protection like credit cards, victims are often left with no recourse.
Never send money to someone you don’t personally know and trust. If a business asks you to use Zelle or Venmo instead of a secure payment method, consider it a red flag. Double-check any urgent money requests by calling the person directly before making a transfer.
8. Fake charities are cashing in on global crises.
Scammers exploit natural disasters, political unrest, and humanitarian crises to set up fake charities that prey on goodwill. They use emotional images and urgent pleas for donations, making people feel guilty for not giving. Once money is sent, it goes straight into the scammer’s pockets instead of helping those in need.
Before donating, verify the charity through sites like Charity Navigator or the Better Business Bureau. Donate directly through an organization’s official website rather than clicking on links in emails or social media posts. A little due diligence ensures your generosity actually helps people instead of funding criminals.
9. Romance scams are reaching new levels of manipulation.
Online dating scams have been around for years, but in 2025, AI-generated profiles and deepfake videos are making them even more convincing. Scammers build long-term relationships with victims before fabricating emergencies that require financial help. The emotional manipulation is so strong that victims often drain their savings before realizing they’ve been conned.
Be cautious with online relationships that progress too quickly. If someone you’ve never met asks for money—even for a seemingly urgent reason—it’s almost certainly a scam. Video chat frequently and verify identities before getting emotionally or financially invested.
10. Fake tech support scams are stealing banking credentials.
Tech support scams are evolving beyond the classic “your computer has a virus” phone calls. Now, scammers pose as Apple, Microsoft, or even your internet provider, warning you about security breaches and offering to “help” by remotely accessing your device. In reality, they’re stealing login credentials and draining accounts.
Legitimate companies will never call you unsolicited for tech support. If you receive a warning message or call, contact the company directly using their official number. Never give remote access to your computer unless you initiated the support request through a trusted source.
11. Fake online marketplaces are stealing payments without delivering goods.
Scammers are creating sophisticated fake online stores that look exactly like legitimate brands, offering deep discounts on everything from electronics to luxury items. Once payment is sent, the goods never arrive—and the seller disappears.
Before making a purchase, check if the website has real customer reviews on trusted platforms like Trustpilot. Look for contact information, return policies, and verify that the site is secure (https://). If a deal seems suspiciously good, assume it’s a scam until proven otherwise.