Most foreigners who get scammed in the Philippines don’t lose money because they were careless. They lose money because they assumed rules worked the same way they do back home. Scams here are usually simple, repetitive, and avoidable once you know how they work.
This guide covers the most common scams foreigners encounter, how they operate, and how to shut them down early.
Why Foreigners Are Targeted
Foreigners are targeted for three reasons:
- Assumed access to money
- Unfamiliarity with local systems
- Reluctance to confront directly
Scammers rely on politeness, confusion, and time pressure. Rarely force.
Romance and Dating Scams
This is the most financially damaging category.
Common patterns include:
- Sudden emotional attachment
- Stories involving emergencies
- Requests for money for family issues
- Pressure to send funds quickly
- Claims of blocked bank accounts
If money requests appear early, stop communication.
Rental and Housing Scams
Housing scams happen both online and in person.
Watch for:
- Requests for deposits before viewing
- Refusal to show original land titles
- “Too good to be true” rental prices
- Fake agents using copied listings
Always verify ownership and view properties in person.
Taxi, Tricycle, and Transport Scams
These are smaller scams but frequent.
Common tactics:
- Refusing to use meters
- Quoting inflated prices
- Claiming “special rates” for foreigners
- Detours to increase fare
Agree on prices before entering if no meter is used.
ATM and Money Exchange Scams
Money-related scams rely on distraction.
Red flags include:
- “Helpful” strangers near ATMs
- Machines that appear tampered with
- Exchanges offering unusually high rates
Use ATMs inside banks or malls whenever possible.
Police and Authority Impersonation
This scam is rare but serious.
Scammers may:
- Claim visa problems
- Demand “on the spot” fines
- Use intimidation tactics
Real officers issue written notices. They do not collect cash roadside.
Nightlife and Bar Scams
Nightlife areas amplify risk.
Common issues include:
- Inflated drink bills
- Misunderstood charges
- Pressure purchases
Always ask for menus and pricing before ordering.
Online Marketplace Scams
Foreigners buying online face:
- Fake listings
- Non-delivery after payment
- Counterfeit products
Use trusted platforms and avoid direct payment requests.
How to Protect Yourself
- Slow down decisions
- Avoid emotional pressure
- Ask for written proof
- Verify independently
- Walk away if unsure
Walking away costs nothing. Staying costs money.
What To Do If You’re Scammed
- Stop communication immediately
- Document everything
- Report to local authorities
- Notify your bank if applicable
Recovery is difficult. Prevention matters more.
FAQ
Are scams common everywhere in the Philippines?
They are more common in tourist and nightlife areas.
Are locals involved in most scams?
Scammers come from all backgrounds. Behavior matters, not nationality.
Is the Philippines unsafe for foreigners?
No. Most foreigners live here safely. Awareness reduces risk.
Do scams target long-term expats?
Yes, especially through dating and property deals.
Is cash safer than cards?
Cash is widely used, but both require caution.
