How to avoid online scams: A senior’s guide to cybersecurity

The internet can feel like a vast world of connections, convenience, and information. But for many seniors, it can also seem like unfamiliar territory filled with invisible threats. Stories of fraud, fake calls, or suspicious links aren’t just headlines—they're real concerns, especially for those who didn’t grow up with technology.

But the truth is, staying safe online doesn’t need tech-savvy skills. It just needs some awareness, gentle habits, and a little dose of scepticism. Just like learning to cross a busy street, there’s a rhythm to recognising danger online. This guide offers a closer look at how seniors can confidently use the internet without falling into traps.

Not all that glitters is gold

Scammers often use emotional manipulation. Messages that create urgency—like claiming an account will be closed, a loved one is in danger, or a prize has been won—are designed to push buttons. Even if a message looks familiar or friendly, it might not be what it seems.


Instead of clicking right away, pause. Close the message. Go directly to the source—a bank's website or a family member—using known contact methods. A calm mind can spot the tricks.

A familiar voice isn’t always a familiar person

With advancing technology, scammers can now mimic voices and faces using AI tools. It’s called “deepfake” technology. There have been real cases where someone received a call that sounded exactly like their son, only to discover later it was all fake.


Before reacting to a dramatic request or money plea, take a moment. Ask a question only the real person would know. Better yet, call back on a number saved earlier in the phone book. This step alone has protected many from heartbreak.

The green lock is not a guarantee of safety

That green lock only means the connection is encrypted—it doesn’t mean the site is trustworthy. Many scam sites also show the padlock to look genuine.

Always check the full website address. For example, "www.bankofamerica.com" is safe, but “www.bankofarnerica.com” with a subtle spelling error is a fake. Sometimes, scammers replace letters like "m" with "rn"—easy to miss, but a strong warning sign.

Free wi-fi is not always a friend

Public networks are unprotected. Scammers can sit nearby and silently capture passwords, bank details, or messages without leaving a trace.


When using Wi-Fi in public, avoid logging into bank accounts or shopping online. If possible, use mobile data for sensitive actions. Some seniors now carry small “portable Wi-Fi” devices to use their own secured internet on the go.

Passwords should be like old photo albums: Personal and protected

These are also the easiest for scammers to guess, especially if they check social media or public records.


Combine unrelated words or use a sentence. For example: “SunTeaMango42!” is easier to remember than random letters and harder for a scammer to guess. Writing passwords down in a private notebook is okay, as long as it’s stored safely, like a favourite recipe book.