{"id":96916,"date":"2026-03-02T11:44:25","date_gmt":"2026-03-02T16:44:25","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/en-ca\/?post_type=rbc_my_money_matter&#038;p=96916"},"modified":"2026-03-02T14:23:38","modified_gmt":"2026-03-02T19:23:38","slug":"spotting-scams-what-happens-after-you-click","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/cyber-security\/understanding-cyber-security\/spotting-scams-what-happens-after-you-click\/","title":{"rendered":"Spotting Scams: What Happens After You Click"},"content":{"rendered":"\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<div class=\"wp-block-rbc-rbc-block drop-shadow pos-rel top-line-blue block-wpr\">\n<div class=\"wp-block-rbc-rbc-block-inner-block block-inner\">\n<h4 class=\"wp-block-heading\" id=\"h-tldr\">TLDR<\/h4>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Scams are sophisticated and human-centric:<\/strong> Fraud succeeds by exploiting normal human behavior, using distraction, relevance, authenticity, and conditioning to manipulate victims.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>How scams work: <\/strong>They start with a compelling hook (i.e. solving a problem or offering a reward), escalate to requesting personal details or money, and often leave victims questioning legitimacy later.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Recovery steps:<\/strong> Act fast by cutting off contact, securing accounts, reporting the scam to authorities, and emotionally processing the experience without self-blame.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Prevention and awareness: <\/strong>Stay vigilant during stressful times, verify unexpected requests, and share experiences to educate others and reduce stigma.<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>Unfortunately, scams aren\u2019t rare anymore. They show up in your inbox, your text messages, your social media DMs, and even in phone calls that look like they\u2019re coming from legitimate organizations. Some are clumsy and easy to spot \u2013 but others are polished, personalized, and incredibly believable.<\/p>\n\n\n\n<p>And if you think a scam won\u2019t happen to you, it\u2019s worth reconsidering. Fraud doesn\u2019t succeed because people aren\u2019t smart \u2013 it succeeds because we\u2019re human.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-even-savvy-people-fall-victim-to-scams\">Why even savvy people fall victim to scams<\/h2>\n\n\n\n<p>When you read about a scam, it\u2019s easy to assume that the victim was too trusting or unsuspecting. In reality, fraud is carefully designed to exploit normal human behaviour, and even the best of us can be caught off guard.<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Distraction: <\/strong>Most scams succeed during moments when your mental bandwidth is low. You may be juggling work deadlines, managing family responsibilities, or dealing with personal stress. Scammers rely on split-second decisions and create urgency so you act before fully evaluating the situation.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Relevance:<\/strong> The most effective scams are timely and personal. Fraudsters use publicly available information \u2013 including social media profiles \u2013 to craft messages that feel tailored and credible.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Authenticity:<\/strong> Scams are no longer riddled with typos and awkward grammar. <a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/cyber-security\/understanding-cyber-security\/how-ai-is-changing-the-nature-of-cybercrime\/\" data-dig-id=\"LP-96916-657ed550\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"AI tools\" class=\"rbc-link-format\">AI tools<\/a> allow fraudsters to generate professional-looking emails, replicate corporate branding, and even mimic voices. <a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/cyber-security\/understanding-cyber-security\/bank-impersonation-scams-what-they-are-and-how-to-protect-yourself\/\" data-dig-id=\"LP-96916-938b2d3c\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Caller ID spoofing\" class=\"rbc-link-format\">Caller ID spoofing<\/a> can make a call appear to come from a trusted institution.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Conditioning:<\/strong> Once contact is established, scammers anticipate your doubts and explain away red flags. Over time, this can override your instincts. By the time serious questions surface, you may already be deeply invested.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-happens-after-you-click-on-a-scam\">What happens after you click on a scam<\/h2>\n\n\n\n<p>Once you click on a scam, what happens next can take shape in a few different ways. Here\u2019s what the journey can look like:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>You\u2019re promised an ideal outcome<\/strong>: Scams begin with a hook \u2013 solving a problem or offering something desirable. It could be securing a delayed package, protecting your bank account, unlocking an investment opportunity, or starting a new relationship.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>You share details or send money<\/strong>: Once trust is established, you may be asked to confirm account information, share a verification code to your phone, or make a payment. In some cases, simply clicking a malicious link can expose login credentials or install malware.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>You start to question the legitimacy of the contact<\/strong>: For many victims, realization doesn\u2019t happen immediately. A bank alert or a chat with a friend can raise red flags. The moment of recognition can be jarring, and many people feel ashamed \u2013 even though millions of people experience the same thing each year.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-recovering-from-a-scam\">Recovering from a scam<\/h2>\n\n\n\n<p>Recovering from a scam involves both practical steps and emotional care.&nbsp; Here\u2019s how to approach both:<\/p>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"h-cut-contact-immediately\">Cut contact immediately<\/h5>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>If you suspect fraud, stop engaging right away \u2013 scammers often return with new excuses, emergencies or even threats.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Block phone numbers and email addresses.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Make social media profiles private.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"h-secure-your-accounts\">Secure your accounts<\/h5>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Contact your bank or credit card provider immediately.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Change passwords across financial and email accounts, especially if you\u2019ve reused them elsewhere.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Enable multi-factor authentication (MFA) wherever available.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>If sensitive personal information was exposed, consider placing a fraud alert with credit bureaus.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"h-report-the-scam\">Report the scam<\/h5>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>File a report with the police or other <a href=\"https:\/\/antifraudcentre-centreantifraude.ca\/index-eng.htm\" data-dig-id=\"LP-96916-c22a2282\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"anti-fraud authorities\" class=\"rbc-link-format\">anti-fraud authorities<\/a>.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>If the scammer impersonated a company \u2013 such as a bank, courier or government agency \u2013 notify that organization directly.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Report fraudulent social media profiles or websites.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"h-focus-on-what-you-can-control\">Focus on what you can control<\/h5>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Monitor your accounts.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Keep records of communications with the scammer.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Lean on trusted friends or family for support.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"h-move-forward\">Move forward<\/h5>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Hindsight is unfairly clear. Don\u2019t be too hard on yourself about something you feel you \u201cshould have known.\u201d<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"h-spread-the-word\">Spread the word<\/h5>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Sharing your experience can feel uncomfortable, but it can also protect others.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Speaking openly about scams can reduce stigma and increase awareness<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faqs\">FAQs<\/h2>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title5bbb837e\" class=\"collapse-toggle collapsed\" data-target=\"#accordion5bbb837e\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-96916-5bbb837e\" aria-controls=\"accordion5bbb837e\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"If I clicked a suspicious link but didn\u2019t enter any information, am I safe?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>If I clicked a suspicious link but didn\u2019t enter any information, am I safe?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion5bbb837e\" role=\"region\" aria-labelledby=\"accordion-title5bbb837e\"><div class=\"collapse-inner\">\n<p>Possibly, but it\u2019s still a good idea to take precautions. Some links can install malware or capture login details immediately. If you\u2019ve clicked, run a security scan on your device, update your software and change passwords for important accounts.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlea87ca48a\" class=\"collapse-toggle collapsed\" data-target=\"#accordiona87ca48a\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-96916-a87ca48a\" aria-controls=\"accordiona87ca48a\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Can banks recover lost money to scams?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Can banks recover lost money to scams?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiona87ca48a\" role=\"region\" aria-labelledby=\"accordion-titlea87ca48a\"><div class=\"collapse-inner\">\n<p>It depends on the type of transaction and how quickly it\u2019s reported. The sooner you notify your financial institution, the better the chances of recovering lost funds.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleea8dff92\" class=\"collapse-toggle collapsed\" data-target=\"#accordionea8dff92\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-96916-ea8dff92\" aria-controls=\"accordionea8dff92\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Why don\u2019t victims realize they\u2019ve been scammed sooner?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Why don\u2019t victims realize they\u2019ve been scammed sooner?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionea8dff92\" role=\"region\" aria-labelledby=\"accordion-titleea8dff92\"><div class=\"collapse-inner\">\n<p>Scammers use psychological tactics such as urgency, authority and emotional manipulation. Once trust is established, victims may be conditioned to ignore red flags.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title35ecc204\" class=\"collapse-toggle collapsed\" data-target=\"#accordion35ecc204\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-96916-35ecc204\" aria-controls=\"accordion35ecc204\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Should I tell friends and family if I\u2019ve been scammed?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Should I tell friends and family if I\u2019ve been scammed?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion35ecc204\" role=\"region\" aria-labelledby=\"accordion-title35ecc204\"><div class=\"collapse-inner\">\n<p>Yes. While it may feel embarrassing, sharing your experience can provide emotional support and prevent others from falling into similar traps.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block inner-section-ocean section-inner  has-e-4-eeff-background-color has-background\" style=\"border-radius:0x\">\n<p class=\"has-text-align-center\" id=\"h-spotting-scams-is-becoming-increasingly-hard-to-do-the-best-thing-is-to-stay-aware-of-current-scams-and-understand-the-ways-you-can-protect-yourself\">Spotting scams is becoming increasingly hard to do. The best thing is to <a href=\"https:\/\/www.rbc.com\/cyber-security\/alerts\/index.html\" data-dig-id=\"LP-96916-3cddf35e\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"stay aware of current scams\" class=\"rbc-link-format\">stay aware of current scams<\/a> and understand the ways you can protect yourself.<\/p>\n<\/div>\n<\/section>\n<\/div>\n<\/section>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse834a1009\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse834a1009\" data-dig-id=\"LP-57738-834a1009\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things our lawyers want you to know\"><span>Things our lawyers want you to know<\/span><span>Things our lawyers want you to know<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse834a1009\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Online scams are more sophisticated than ever \u2013 and no one is immune. Here\u2019s what happens after you click, and how to recover if you\u2019ve fallen victim.<\/p>\n","protected":false},"author":90,"featured_media":96921,"parent":57322,"menu_order":0,"template":"wp-custom-template-mmm-sticky-nav","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[132,524,135],"rbc_content_type":[31],"rbc_audience":[261,231,59,93,49],"rbc_lob_group":[133],"rbc_difficulty_level":[33],"rbc_mmm_category":[321,376,304,375],"class_list":["post-96916","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-cyber-crime","tag-cyber-security","tag-cyber-tips","rbc_content_type-article","rbc_audience-black","rbc_audience-indigenous","rbc_audience-newcomer","rbc_audience-seniors","rbc_audience-students","rbc_lob_group-cyber-security","rbc_difficulty_level-beginner","rbc_mmm_category-cyber-security","rbc_mmm_category-cyber-security-for-business","rbc_mmm_category-money-academy","rbc_mmm_category-understanding-cyber-safety"],"acf":{"contently_publication_id":"","custom_author":"Royal Bank of Canada","rbc_video_header":"","rbc_media_duration":"","rbc_toc_for_mmm_tag":"h2","rbc_toc_for_mmm_limit":6,"rbc_toc_for_mmm":null,"rbc_toc_for_mmm_action":"Generate Table Of Contents"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<meta name=\"description\" content=\"Online scams are more sophisticated than ever \u2013 and no one is immune. 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