By Adeniyi Yusuf
A UK-based cybersecurity expert, Oluwananumi Dawodu has cautioned people living overseas to remain vigilant against fraudulent activities on financial platforms.
According to him, without proper caution, individuals risk being swindled by cybercriminals.
Dawodu made this known in a statement made available to New Daily Prime.
He said living in the UK as a Nigerian brings many opportunities, including better education, career growth, access to healthcare, and stronger digital services.
The expert, however, stated that these advantages come with risks, especially online.
He said, “Whether you’re sending money home, keeping in touch with family, or using the internet for work and school, there are growing threats that specifically target Nigerians abroad. Cybercriminals are getting smarter, and many are creating scams that prey on people’s trust, habits, and needs in the diaspora.
“One of the most common threats is phishing. This happens when someone sends a fake email or message pretending to be from a trusted source, like your bank, immigration services, or even a Nigerian embassy. These messages often look real, but they aim to trick you into sharing personal details—like your bank information, passwords, or passport scans. For example, you might get a message saying your visa has a problem or that your bank account needs urgent action. Many people panic and respond quickly without checking if it’s real.
“Another major issue is SIM swap fraud. This is when scammers convince your mobile network to transfer your phone number to a new SIM card they control. Once they do this, they can receive your calls and text messages, including the banks’ codes to confirm your identity. With that access, they can break into your accounts, transfer money, and even lock you out of your phone or email. This often happens when people use old Nigerian SIM cards or connect their UK accounts to those numbers.
“Sending money home is another activity that has opened doors to fraud. Many Nigerians use mobile apps, agents, or forex platforms to send money to loved ones. Unfortunately, scammers create fake websites or pose as trusted individuals to offer “better exchange rates” or “quick returns on investment.” These often turn out to be scams, and people lose both their money and their trust. Some are even tricked into joining fake business groups on WhatsApp or Telegram that turn out to be Ponzi schemes.
“WhatsApp account hacking is becoming more common, too. Criminals send messages pretending to be someone you know, asking you to verify a code or send money. Once they access your WhatsApp, they message your contacts pretending to be you. Many victims don’t realize what’s happening until a friend tells them. Fake profiles on Facebook or Instagram are also used to scam people by pretending to be someone they know or trust.
“Some scams focus on those looking for jobs or scholarships. Fake recruiters or universities might contact online, offering jobs, internships, or study opportunities. They often ask for a fee or your documents. These scams take advantage of people’s hopes and eagerness, and many victims only realize the truth after they’ve sent money or shared sensitive information.
“For some, the danger becomes more personal. A growing issue, especially for young women, is sextortion—when someone tricks or pressures you into sending private pictures or videos, and then threatens to share them unless you pay or give them more content. These situations are deeply painful and hard to discuss, especially within close-knit communities. Many victims suffer in silence out of shame or fear.”
Dawodu further stated that another reason Nigerians in the UK are at risk is the use of old or shared phones and computers.
He added that some use second-hand devices that may not have the latest security updates or antivirus protection. Others might use free Wi-Fi in public places or student housing, which can be easily hacked.
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The expert noted that using the same weak password for different accounts or saving sensitive information on your phone without any protection makes it even easier for attackers to steal your data.
“Fake immigration agents and consular service scams are also common. Many Nigerians rely on agents to help with visa issues, passport renewals, or legal advice. Scammers take advantage of this trust, setting up fake websites that look like real embassies or posing as immigration lawyers online. Victims sometimes pay hundreds of pounds for fake services—or worse, submit documents to criminals who later use them to commit other crimes.
“So, how can Nigerians in the UK protect themselves? Start by being cautious with any message that asks for personal information, especially if it comes with urgency or a threat. Don’t click on suspicious links. If you get a message from your bank, embassy, or any official body, call them directly using the number from their official website. Avoid using SMS codes to secure your accounts; try using apps like Google Authenticator or bank apps that use fingerprint login instead.
“Use strong passwords, and don’t reuse the same one across different accounts. Update your devices regularly and install antivirus software, even on your phone. Avoid using free Wi-Fi for anything sensitive, like banking or emails. Only send money through trusted remittance services and check if they are registered with the UK’s financial authorities.”
