01 / When something feels off
A good conversation should not turn into a request for money.
It may start with a thoughtful message and weeks of everyday conversation. Then comes a crisis, a travel problem or an investment opportunity. Familiarity is not a reason to send money to someone you have only met online.
Pause when you hear something like this
- “I need money so we can finally meet.”
- A promised visit does not make a transfer safe.
- “Let me show you how to invest.”
- Keep dating and investment decisions separate. Do not use a match’s links or instructions to move money.
- “Please keep this between us.”
- You should be free to talk things through with someone you trust.
Stop contact if you suspect a scam. Save the conversation and report the profile to the service where you met.
Read the FTC’s romance scam guidance and the FBI’s warning signs.
Need to act now?
Contact your payment provider if you have sent money
- Contact your bank or payment provider immediately. Explain that you suspect fraud. Ask whether the payment can be reversed or recovered; recovery is not guaranteed.
- Keep the evidence. Save messages, profile details, receipts and transaction references before blocking the contact.
- Secure affected accounts. If you shared a password, change it anywhere you reused it. Tell your bank if you gave out financial details.
- Report what happened. Notify the dating service. In the US, report fraud to the FTC; elsewhere, use your local fraud-reporting authority.
You do not have to handle this alone. Ask someone you trust to sit with you while you make the calls. If you are in immediate danger, contact local emergency services.
02 / Getting to know someone
Share your interests without revealing private details
A family tradition, a book you couldn’t put down, a meal you love to cook: there is plenty to talk about without sharing details that could identify your home or expose your accounts.
Give a sense of your life
“I like an early walk and a late breakfast.”
“My family is important to me, and I make time for myself, too.”
Leave out identifying details
Your street address, exact daily schedule and family members’ personal information.
Passwords, login codes and financial or identity documents sent to a match.
Check photo backgrounds for house numbers, mail and car plates. Use a strong, unique password and two-factor authentication where available.
If you want to keep chatting where you met
“I’m enjoying our conversation. I’d like to stay here a little longer before exchanging numbers.”
You can set a boundary without apologising for it.
03 / Taking it offline
Plan a public first date with your own way home

A café with other people around can be easier to plan than a long evening out. Choose somewhere you can hear each other, with seating and access that suit you.
You can leave whenever you choose. Taking precautions cannot guarantee safety; responsibility for harm always lies with the person causing it.
Meeting precautions: RAINN. More ideas: planning your first date.