Article prepared by ĠEMMA  

(within the Ministry for Social Justice and Solidarity, the Family and Children’s Rights) 

Recently we have seen a spate of scams in Malta – including phishing, romance fraud and business email fraud. 

Last year, ĠEMMA and the eSkills Malta Foundation  signed a strategic partnership to disseminate knowledge on digital financial capability.  Fraud and scams are one such financial capability.  Jointly we have issued 4 e-books on scams and fraud and Infographics on tips of how to protect yourself with regard to over 30 different scams and frauds. 

ĠEMMA strongly advises you that you follow these 10 Commandments religiously at all times to protect yourself from scams and fraud:

01Watch out for scams Scammers target you anytime, anywhere, anyhow.
02Do not respond Ignore suspicious emails, letters, house visits, phones calls or SMS messages – press ‘delete’, throw them out, shut the door, or just hang up.
03Do not agree to an offer straightaway Do your research and seek independent advice if it involves significant money, time or commitment, and get the offer in writing.
04Ask yourself who you are really dealing with Scammers pose as people or organisations that you know and trust.
05Do not let scammers push your buttons. Scammers will play on your emotions to get what they want, including adopting a personal touch. Alternatively, they seek to rush you into making a quick decision before you look into it. Remember there are no guaranteed get-rich-quick schemes!
06Keep your computer secure Always update your firewall, anti-virus and anti-spyware software, and buy only from a verified source.
07Only pay online using a secure payment service Look for a URL starting with ‘https’ and a closed padlock symbol.
08Do not hand over money and information to someone you do not know and trust Any request for payment by an unusual method such as wire transfers, reloadable cards, or gift cards that are nearly impossible to reverse or track is a tell-tale sign that it is part of a scam. And if you do hand money … it is rare to recover
09Protect your identity Your personal details are private and invaluable. Keep them that way and away from scammers.
10If you spot a scam, spread the word. Tell your family and friends, and report it to:

In addition to these 10 Commandments, keep in mind the following:

  • It is NOT always true that companies, businesses and enterprises are always legitimate. Scammers can easily pretend to have approval and registrations when in fact they do not.
  • It is NOT always true that all websites are legitimate. It is easy and cheap to set up a website. And an enterprise’s website can be easily copied by scammers who will want to trick you into believing it to be genuine.
  • It is NOT always true that scams involve large amounts of money. Sometimes scammers target many people and try to get a small amount of money from each person.
  • It is NOT always true that scams are always about money. Some scams are aimed at stealing personal information from you.

ĠEMMA has on 21st June 2021 signed a strategic partnership with the Local Councils Association.  Both ĠEMMA and the eSkills Malta Foundation are working the Association so that come October 2021, monthly public fora are held on scams and fraud in local communities.