Online relationships can offer connection, comfort, and hope – but they can also expose people to serious risk.

Romance fraud is a growing crime that affects people of all ages and backgrounds, often leaving victims emotionally and financially devastated.

What is Romance Fraud?

Romance fraud happens when someone builds a relationship with the intention of exploiting another person. Fraudsters use fake identities, carefully crafted stories, and long-term emotional manipulation to gain trust before taking money and causing deep emotional harm.

Derbyshire Constabulary’s Fraud Protect Officer explains:

“Nowadays, contact is possible 24/7. You can stay in that heightened state of emotional bliss around the clock – floating off to sleep after receiving a loving message and waking up to find another one waiting. The feeling of being someone’s ‘special person’, of having the promise of a future together, building hopes and dreams – it’s powerful.

That’s why I can never truly imagine the pain, hurt, and humiliation of finding out that it was all an elaborate trick to steal money.”

Every week, the Fraud Protect team supports five to six victims of romance fraud. Losses can range from £500 to £500,000 – but for many, the emotional impact is even greater.

Victims often feel ashamed, isolated, or blame themselves, even though they’ve been targeted by skilled manipulators who know exactly how to build trust.

Signs to Watch Out For

Online relationships can develop quickly, so it’s important to stay aware and recognise when something doesn’t feel right. Warning signs include:

• Requests for money
• Emotional or dramatic backstories that change over time
• Pressure to keep the relationship secret
• Fast-paced declarations of love or commitment
• Excuses for why they can’t meet in person or video call

If something feels off, pause and reach out for advice.

You Are Not Alone

Fraud is a crime, and nobody should feel ashamed for being targeted. Victims deserve support, understanding, and justice.

If you or someone you know may be affected:

• Contact your bank immediately
• Report the crime to Report Fraud on 0300 123 2040 or at Report Fraud.
• Reach out to Derbyshire Victim Services for confidential support and guidance

Let’s keep love safe – both on screen and off.

If you have concerns that someone is being a victim, offer them support and try to make them aware of the signs. Help them to take small steps in understanding what is happening, and how to protect themselves.