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Money · the UK
Updated September 2026

💔 Someone I met online is asking me for money — is it a scam, and who do I tell?

Direct answer

If a person you have never met in real life asks for money — for a ticket, a customs fee, a medical bill, an investment — it is a scam, without exception. Stop sending, keep the conversation as evidence, and report it to Police — 101 / report online (999 in an emergency) (101); romance fraud is organised crime and every report helps. Victim Support — 0808 168 9111 (0808 168 9111) offers free, confidential support — the shame keeps people silent, and that is what the scammers count on. Call Your bank — card and payment line the same day to recall what can still be recalled.

Call firstPolice — 101 / report online (999 in an emergency)
Report toVictim Support — 0808 168 9111
If that failsYour bank — card and payment line

🗣️ What to say

"Since [date] I have been in contact with [name] on [platform]. They asked me for money for [reason] and I sent [amount] to [account / service]. I now believe this is fraud and want to report it. I have the messages and the payment details."

🪜 Step by step

  1. Do not send more, do not confrontConfrontation makes them switch to threats or a "friend" who will help you recover. Simply stop.
  2. Save the evidenceProfile, photos, chat export, payment receipts, the accounts you paid to. Reverse-image-search the photos — they are usually stolen.
  3. Bank firstAsk for a recall on transfers and a dispute on card payments. Gift cards and crypto are usually gone; say so anyway, the bank logs the recipient.
  4. Report to Police — 101 / report online (999 in an emergency)Online where possible. Your report connects to hundreds of others using the same photos and accounts.
  5. Talk to Victim Support — 0808 168 9111Free, confidential, no judgement. This happens to careful, intelligent people every day.

📇 All contacts

Police — 101 / report online (999 in an emergency)Local police for any crime that is not fraudBurglary, theft, threats, stalking📞 101🔗 www.police.uk
Victim Support — 0808 168 9111Free, confidential victim support; CICA compensationAfter any crime📞 0808 168 9111🔗 www.victimsupport.org.uk
Your bank — card and payment lineRecall a transfer, chargeback, block a card, freeze the accountImmediately, 24/7 — the number is on the back of your card
Action Fraud (England, Wales, NI) / Police ScotlandNational reporting centre for fraud and cybercrimeFor online scams and phishing📞 0300 123 2040🔗 www.actionfraud.police.uk

❓ Frequently asked

Can I get the money back?

Sometimes a transfer can be recalled within a day; card payments can be disputed. Money sent as crypto, cash or gift cards is almost always lost.

They sent me money to pass on

Stop immediately and tell the bank — that is money laundering, and you would be the "mule" in the police file.

I am embarrassed to report it

The report is confidential. Not reporting is the outcome the scammers want; reporting is how the next person gets a warning.

📎 Sources

Last checked: 2026-09-26

🔎 Common searches

Recognise your own search? The answer above covers all of these.

  • “romance scam report the UK”
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  • “dating fraud money back”
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  • “is this person a scammer”

🧭 Is this still correct?

We check this information carefully, but phone numbers, websites and rules change — and sometimes we get something wrong. Spotted a mistake or a change? Let us know below.

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