Online Scams That Target Seniors: How to Spot and Avoid Them

An elderly woman in a pink sweater is using a laptop while talking on the phone, suggesting she may be handling an online matter or call.

As technology continues to evolve, more seniors are embracing the convenience of online banking, shopping, and communication. Unfortunately, this increased digital presence has also made older adults prime targets for online scams. And it’s costing older adults plenty.

According to the Federal Trade Commission (FTC), the number of seniors losing money to online scams is increasing. Between 2020 and 2024, the number of older adults who lost $10,000 or more in a scam quadrupled. And those losing more than $100,000 went up eightfold.

Why Seniors Are Targeted

Cybercriminals often see seniors as vulnerable due to their trusting nature, potentially limited familiarity with technology, and desire to remain independent. Scammers also believe that older adults may have accumulated financial assets, making them attractive targets. Additionally, isolation can make some seniors more willing to respond to unknown callers or messages.

Recognizing the common types of online scams and their warning signs is the first step toward protection.

Common Online Scams Targeting Seniors

Phishing emails and texts: These scams involve fraudulent emails or messages designed to look like they’re from trusted organizations—banks, government agencies, or popular retailers. They ask you to click a link, download an attachment, or provide personal information. Even a single click can install malware or send your sensitive information to a cybercriminal.
Online romance scams: Loneliness can make seniors more susceptible to scammers posing as caring companions on dating sites or social media. Over time, they build emotional trust and then request money for emergencies, travel, or illness. These scams can be financially devastating and emotionally painful.
Lottery or prize scams: You may receive a message claiming you’ve won a prize, sweepstakes, or lottery—but you must pay a fee or provide personal details to claim it. Legitimate contests never ask winners to pay money up front.
Online shopping and investment scams: Fake shopping websites advertise products at unbelievable prices. Seniors may unknowingly enter their payment information or send money directly to scammers.

Warning Signs to Watch For

Spotting a scam often comes down to recognizing red flags:

Unsolicited contact from someone you don’t know
Urgent requests for money, personal information, or immediate action
Emails or messages with spelling errors or poor grammar
Requests for unusual payment methods, such as gift cards, wire transfers, or cryptocurrency
Too-good-to-be-true offers, like guaranteed returns or big prizes
Pressure to keep the conversation private or not involve family members

If anything feels suspicious or makes you uncomfortable, trust your instincts and verify before responding.

5 Tips for Keeping Seniors Safe Online

1. Be Skeptical of Unsolicited Messages
Never click on links or open attachments from unexpected emails or texts. Instead, contact the company directly using a verified phone number or official website.

2. Protect Personal Information
Never share Social Security numbers, bank information, passwords, or other sensitive data over email or phone unless you initiated the contact and have confirmed the recipient.

3. Use Strong Passwords and Security Tools
Create unique passwords for each account and consider using a password manager. Keep antivirus software updated and regularly install security patches.

4. Enable Two-Factor Authentication (2FA)
Two-factor authentication adds an extra layer of protection by requiring a second form of verification, like a text code, when logging in to accounts.

5. Learn to Recognize Fake Websites
Look for “https” at the beginning of the URL, check for spelling errors, and avoid sites that lack contact information or professional design.

Remember, if you have any doubts at all about whether something is legitimate, seek advice from a trusted friend or family member who has good tech skills.

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