Pareesa Afreen 
Dec 18, 2025
An undated image. — Unsplash
Online fraud in Pakistan is becoming more advanced, with scammers constantly changing their methods to stay ahead of users and security systems. As digital payments, banking apps, and online shopping grow, so do the risks.
By the end of 2025, authorities and consumer groups are reporting a noticeable rise in financial fraud cases across the country.
5 most common digital scams
Gadinsider has got you some of the most common scam techniques currently affecting users, and how to reduce your risk.
- Impersonating messages could be one of the most common ways by which scammers trick their potential victims. The scammers usually pretend to be from banks or service providers and send out alarming notifications that lead the users to behave rashly by clicking links or revealing confidential information.
- Another form of increasingly common fraud is related to cards and ATMS. Crooks steal information on cards either through compromised machines or trick unsuspecting users into revealing information over phones. This information, when obtained, is used to commit unauthorised transactions.
- Online counterfeit sellers are also increasing in number. These accounts are advertised extensively on social media sites, get paid in advance, and either vanish into thin air or deliver low-quality products. Such sites also do not contain valid business details.
- Job seekers are another major target group, too. The fraudulent job offer often holds the promise of a high-paying job or an overseas posting, but asks for an advance payment. After the payment is made, there are no further communications.
- The tactic that is more technical in nature is replacement fraud via SIM cards, which enables a fraudster to hack into verification codes and subsequently gain access to digital wallets and bank accounts.
How to stay safe from scams?
Experts stress that basic caution can prevent most losses. Avoid sharing PINs or one-time codes, verify sellers and recruiters, and report suspicious activity immediately to banks, telecom operators, or relevant authorities.
