A Guide for International Students on Avoiding Scams

As an international student, you're embarking on an exciting new chapter. While the UK is a welcoming place, it's important to be aware of potential scams and fraud that unfortunately target students. This guide will help you understand common tactics and how to protect yourself, so you can focus on your studies and enjoy your experience.

Understanding Common Scams

Scammers often pose as official bodies or trusted organisations to gain your trust. Be cautious of unsolicited contact from individuals claiming to be from:

• Banks - They might ask for your PIN, passwords, or to transfer money to a "safe" account. Your bank will never ask for these details.
• Government Departments - This could include immigration services, tax authorities (HMRC), or the police. They might threaten deportation or arrest if you don't pay a supposed fine or provide personal information. Official bodies will typically contact you by post and will not demand immediate payment over the phone.
• Universities or Accommodation Providers -  Be wary of requests for urgent payments or personal details that seem unusual. Always verify with your university's official channels if you're unsure.
• Job Offers -  Scammers might offer enticing jobs that seem too good to be true, especially if they involve handling money or require an upfront payment for training or background checks.

The Dangers of Money Mules

One serious scam to be particularly aware of involves becoming a "money mule." This is when you allow money from unknown sources to pass through your bank account, often in exchange for a fee or commission. While it might seem like an easy way to earn a bit of cash, you are unknowingly participating in money laundering, which is a serious criminal offence.

How it works

• Scammers, often linked to organised crime, will approach you online (e.g., through social media, email, or fake job adverts) or even in person.
• They will ask to transfer money into your account, and then instruct you to withdraw it and send it to another account, or even abroad, often letting you keep a small percentage for yourself.
• The money is usually obtained illegally, for example, through fraud or drug trafficking.

If you are caught acting as a money mule, you could face severe penalties, including a prison sentence, a criminal record (which could impact your visa status and future career), and difficulty opening a bank account in the future. It's simply not worth the risk.

How to Protect Yourself

• Be Sceptical - If something feels off, or an offer seems too good to be true, it probably is.
• Protect Your Personal Information - Never share your bank details, PINs, passwords, or personal documents (like your passport or visa information) with anyone you don't know or trust.
• Verify Identity - If you receive a suspicious call or email from someone claiming to be from an official organisation, do not engage. Instead, find the official contact details for that organisation (e.g., on their official website) and contact them directly to verify the request.
• Think Before You Click - Be cautious of suspicious links in emails or messages, as these can lead to phishing websites designed to steal your information.
• Do Not Transfer Money for Others - Never allow your bank account to be used by someone else to transfer money, regardless of the reason they give. This is a common sign of a money mule scam.
• Secure Your Devices - Use strong, unique passwords and enable two-factor authentication where possible. Keep your anti-virus software updated.

What to Do If You're Targeted or Scammed

• Do not feel embarrassed or ashamed. Scammers are sophisticated, and anyone can be targeted.
• Stop all contact with the suspected scammer.
• Report it immediately.If you have given out personal information or lost money, contact your bank immediately.You should also report it to Action Fraud (the UK's national reporting centre for fraud and cyber crime) online or by calling 0300 123 2040.It's highly recommended to speak to your university's International Office or student support services. They can offer guidance and support.
• If you have given out personal information or lost money, contact your bank immediately.
• You should also report it to Action Fraud (the UK's national reporting centre for fraud and cyber crime) online or by calling 0300 123 2040.
• It's highly recommended to speak to your university's International Office or student support services. They can offer guidance and support.

For more detailed information and advice, you can refer to the UK Council for International Student Affairs (UKCISA) guidance on frauds and scams: UKCISA - Frauds and Scams.

By staying informed and vigilant, you can significantly reduce your risk of falling victim to scams and enjoy a safe and successful experience as an international student in the UK.