Renting a place abroad or planning a move? This news is for you. The FBI reports that complaints about real estate fraud rose from 9,359 in 2024 to 12,368 in 2025. Fake rental listings are becoming more convincing — scammers use stolen photos and create plausible offers to trick victims into paying deposits. While the stats are from the US, the scheme works worldwide, including popular destinations for expats.
How the scam works
Scammers copy real listings, change contact details, and ask for a deposit or first month's rent via card transfer or cryptocurrency. They often create urgency: "The apartment is being viewed now — pay a deposit to secure it." Once they get the money, they disappear.
Why this matters for virtual card users
If you pay for rent or bookings online, especially through foreign services, you're at risk. Virtual cards can be your shield:
- Limits. Set a daily or per-transaction limit so that even if your card data is leaked, scammers can't withdraw more than a certain amount.
- 3DS. Make sure your card supports 3D-Secure — an extra verification step that often deters fraudsters.
- One-time cards. For deposits on unverified rentals, use a virtual card with a minimal balance or a one-time card that you can block after payment.
How to verify a listing
Before paying, take a few simple steps:
- Reverse-search the photos via Google Images or TinEye — if they appear on other sites, be wary.
- Ask for a video call with the owner or agent. Scammers usually refuse.
- Check the address on Google Maps to see if the building matches the photos.
- Never transfer money directly to an individual's card. Use escrow services or at least a card with buyer protection.
What to do if you've been scammed
If you've transferred money and realized it's a fraud, immediately:
- Block the card.
- File a dispute with your bank.
- Report to the police and the platform where the listing appeared.
Remember: recovering funds sent to a crypto wallet is nearly impossible, so for such payments, use cards that allow chargebacks.
Bottom line
Rental fraud is a growing threat, but you can reduce risks by staying vigilant and using protective tools like virtual cards with limits and 3DS. Don't let scammers ruin your relocation or vacation.
This article is for informational purposes and does not constitute financial advice. Be cautious with online payments.
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