Common Scams in Nigeria and How to Spot Them
Updated 2 October 2026
Scammers keep changing their story, but the patterns stay the same. Learn these patterns and you can spot most scams before any money moves.
Fake job offers
You are offered a job you never applied for, or a "recruiter" asks for a payment for training, uniforms, registration or "clearance". Genuine employers do not charge you to hire you. Be careful if the interview happens only on WhatsApp or Telegram and the company has no verifiable website or office.
Fake online stores and marketplace sellers
Prices are far below market, the seller pushes you to pay by transfer to a personal account, and there is no real address or return policy. Check the website, look for real reviews outside the seller's own page, and prefer payment on delivery where possible.
Investment and "double your money" schemes
Promises of guaranteed high returns in a short time are the classic warning sign. Early "payouts" are often used to pull you into investing more. If you cannot clearly explain where the profit comes from, do not invest.
Romance and friendship scams
A new online friend builds trust quickly, then has an emergency: a hospital bill, a customs fee, a stuck parcel. They never meet in person or appear on a live video call. Never send money to someone you have not met.
Loan app harassment
Some loan apps ask for access to your contacts and photos, then threaten or shame you by messaging your contacts. Only use lenders that are registered and transparent about their charges, and do not grant permissions the app does not need.
Bank and BVN impersonation
Calls, SMS or emails claiming that your account will be blocked unless you "verify" your BVN, OTP or PIN. Your bank already has your details and will not ask for your OTP or PIN.
The simple rule
Slow down, verify the person or business independently, and never pay or share secret codes under pressure. If something sounds too good to be true, or too urgent to check, treat it as a scam until proven otherwise.