The most common South African scams and how to spot them
23 October 2026 · Omnitrace
Problem: scams in South Africa are slick, personal and convincing. Agitate: criminals spoof real bank numbers, copy official logos and use your family's names. One rushed decision can empty an account that took years to build. Solution: learn the common tricks and the red flags they share.
1. The fake bank call
A "fraud department" says there is suspicious activity on your account, then asks you to read back an OTP or approve an app notification "to stop it". That approval is the fraud. Red flag: any request for an OTP, PIN or approval. Hang up and call the number on your card.
2. "Hi Mom, this is my new number"
A WhatsApp from an unknown number claims to be your child, who lost their phone and urgently needs money. Red flag: new number, urgency and a payment request. Call them on their old number first.
3. SIM swap fraud
Criminals get your number moved to a new SIM and receive your banking OTPs. Red flag: your phone suddenly shows "No service". Contact your network and bank immediately.
4. Fake job offers
An "employer" offers a great job with almost no interview, then asks for a fee for training, uniforms or a medical. Red flag: real employers never charge you to be hired.
5. Rental and car deposit scams
A cheap flat or car is advertised online and the "owner" wants a deposit before you can view it. Red flag: pressure to pay before viewing. Never pay for something you haven't seen, and verify the seller's identity.
6. Fake SARS refunds and courier fees
An SMS says you have a tax refund or a parcel waiting and links to a site asking for card details or a small fee. Red flag: links in unexpected messages. Go to sars.gov.za or the courier's site yourself.
7. Investment and crypto schemes
Guaranteed returns of 20% a month, promoted by "successful" friends or celebrities. Red flag: guaranteed high returns. Check that any adviser is registered with the FSCA.
8. Business email compromise
A supplier "changes" their bank details by email just before a big payment. Red flag: new banking details by email. Phone the supplier on a known number and verify the account before paying.
This article is general information, not legal or financial advice.
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