1. Contact method

How did they reach you?

Unexpected call, SMS, WhatsApp, or email from unknown number Someone claiming to be from a known organisation but using unusual contact details Social media message or friend request from someone you do not know well Contact I was expecting or from a verified source

2. Urgency

Is there pressure to act quickly?

Yes, they say it is urgent, limited time, or immediate action required Yes, they threaten consequences if I do not act now Some pressure, but no explicit threats No, I can take time to verify

3. Money request

Are they asking for money, payments, or financial details?

Yes, immediate payment or transfer requested Yes, asking for bank details, card numbers, or crypto wallet addresses Yes, promising high returns or investment opportunities No money or financial information requested

4. Personal information

Are they asking for sensitive personal information?

Yes, passwords, PINs, OTP codes, or ID documents Yes, financial account details or transaction history Yes, basic personal info like name, address, or phone number No personal information requested

5. Offer or claim

What are they offering or claiming?

Prize, lottery win, or unexpected inheritance Family emergency or someone in trouble needing help Government, tax, legal, or police matter requiring immediate action Job offer, business opportunity, or partnership Romantic interest, relationship, or dating proposal Technical support, computer problem, or account security issue None of the above / unclear

6. Verification

Can you independently verify their identity?

No, they refuse verification or provide only their own contact details No, but I could try through official channels Partially, some details match but others are suspicious Yes, I can verify through trusted, independent sources

Risk assessment

Answer the questions to see risk level.

Your result will show warning signs and suggest safe next steps.

Immediate red flags

Requests for payment via unusual methods (crypto, gift cards, wire transfer)
Urgency or threats to force quick decisions
Refusal to verify identity through official channels
Requests for passwords, PINs, or OTP codes

If you suspect a scam

Stop: Do not send money or share sensitive information
Verify: Contact the organisation directly through official channels
Report: Report to your bank and relevant authorities
Document: Keep screenshots, messages, and call records