The truth is, scammers aren’t just targeting your wallet, they’re targeting you.
From your trust levels to how quickly you make decisions, certain personality traits and types can make you more vulnerable to types of scams. But this isn’t about blaming the victim, it’s about understanding how these tactics work so you can outsmart them before they strike.
Why scammers study your personality (even if you don’t realise it)
Scammers are master manipulators. They know how to:
- Mirror your communication style
- Appeal to your values
- Exploit your habits and emotional triggers
Often, they’re not sending out random messages, they are tailoring their approach based on how you engage online, what you respond to, and how you express yourself.
What’s your scam risk profile?
Below are five common personality traits scammers love, and how each one can be exploited:
You’re compassionate, generous and always willing to help.
Scam risk: Romance scams, charity scams, and “Hi Mum” text scams
Why it works: Scammers build emotional connections, tug at your heartstrings, or pose as loved ones in need.
Red flag to watch: Sudden requests for money tied to emotional urgency.
You believe most people have good intentions and that good things are always around the corner.
Scam risk: Investment scams, job opportunity scams
Why it works: You’re open to big wins and second chances. They promise “easy money” or life-changing offers.
Red flag to watch: Anything that sounds too good to be true usually is.
You make fast decisions and trust your instincts.
Scam risk: Phishing scams, fake shopping sites, limited time offers
Why it works: Scammers create urgency to override your logic: “Act now!”, “Only 2 spots left!”
Red flag to watch: Pressure to decide or pay immediately.
You’re loyal, responsible, and a natural problem solver.
Scam risk: Tech support scams, impersonation scams
Why it works: Scammers pose as authority figures, like your bank or a government body, counting on you to fix the issue quickly.
Red flag to watch: Anyone demanding remote access, passwords, or verification codes.
You question everything and trust no one easily.
Scam risk: Believe it or not, pig butchering scams (slow-burn crypto scams)
Why it works: These scams are patient. They earn your trust over weeks or months, slowly luring you in.
Red flag to watch: Online “friendships” or investment advice from someone you’ve never met in person.
Want to see how your personality stacks up?
Take our interactive quiz: “What’s Your Scam Risk Type?”
A. Drop everything to assist
B. Encourage them and look for a positive outcome
C. Jump in without overthinking it
D. Try to find a solution straight away
E. Ask lots of questions before deciding
A. “Could someone I know benefit from this?”
B. “Maybe this is the opportunity I’ve been waiting for”
C. “Quick! Buy before it sells out!”
D. “Better make sure everything checks out first”
E. “This feels suspicious, what’s the catch?”
A. Feel immediately concerned and ready to help
B. Hope it’s a mistake but reply in case it isn’t
C. Respond quickly without asking too much
D. Try to fix the problem and investigate
E. Question the legitimacy before doing anything
A. Heart first, head second
B. Open-minded and curious
C. Fast and confident
D. Analytical and helpful
E. Cautious and calculated
A. Trust platforms to protect your info
B. Believe good things happen to good people
C. Figure you’re careful enough
D. Try to stay informed and cautious
E. Always assume there’s a risk
Mostly A’s: You’re The Empath
Your kindness is a strength, but scammers see it as an entry point. Stay alert for emotional manipulation, especially via messages or requests tied to family or charity.
Mostly B’s: You’re The Optimist
You’re hopeful and opportunity-driven. Be wary of “too good to be true” investment schemes or dream job scams. Optimism is great, just add a layer of scepticism.
Mostly C’s: You’re The Impulsive One
You trust your gut and move fast, which scammers exploit through urgency and pressure tactics. Pause before clicking, buying or sharing.
Mostly D’s: You’re The Fixer
Problem solvers like you can be targeted by scammers pretending to be from the bank, ATO or tech support. Always verify before acting.
Mostly E’s: You’re The Sceptic
You don’t trust easily but long-game scammers are willing to wait. Crypto scams and “online friendships” are designed to slowly get you to put your guard down.
So, what can you do?
Knowing your risk profile is a powerful first step. Here’s how to protect yourself no matter your personality type:
- Take your time. Scammers rely on speed and emotion. Pause before clicking, paying or sharing.
- Sense something off? Gut feelings are important. It is our built-in alarm system. Step back and verify.
- Talk about it. Scammers thrive in silence. Compare notes with friends, family or colleagues.
- Report it. Even if you didn’t lose money, your experience can help stop the next scam.