In today's digital landscape, staying alert against scams, fraud, and phishing is paramount. At Jamboo, we're committed to protecting our customers from the prevalent threat of fraud. Here's how to recognize fraud, protect yourself, and what steps to take if you suspect you've been targeted.
Fraud involves the unauthorized use of your financial information to steal money or assets. Examples include using stolen account details or accessing your Jamboo account without permission. Regularly monitoring your transactions and promptly reporting any suspicious activity is essential.
Fraud is the unauthorized use of your account or financial details without your consent.
A scam, or authorized push payment fraud, deceives you into making payments or sharing personal information. Scammers often impersonate trustworthy entities or offer deals that seem too good to be true.
A scam uses deceptive tactics to trick you into providing personal information or authorizing a payment yourself.
Scammers use various tactics to deceive you. Be aware of the following warning signs:
Inconsistent Stories: Changing or conflicting information about why they need money
Urgent Requests: Pressure to send money immediately or maintain secrecy
Suspicious Links or Communications: Unfamiliar emails, texts, or messages asking you to click links or share account details
Too Good to Be True Offers: Promises of large returns, prizes, or rewards in exchange for money transfers
Requests for Personal Information: Asking for your Jamboo login details, password, or PIN
Below is a list of some of the common types of fraud that can affect Jamboo users:
Account Takeover: Unauthorized access to your Jamboo account to make transfers or purchases without your permission.
Identity Fraud: Using your stolen identity to create a Jamboo account or make transactions.
SIM Swap Fraud: Criminals transfer your phone number to a new SIM card to gain access to your account verification codes.
Deep Fakes: AI-generated videos or audio recordings impersonating trusted individuals to request money transfers.
For more information about other types of fraud, please visit Action Fraud at https://www.actionfraud.police.uk/
APP fraud is when criminals trick you or use persuasion to get you to transfer money through your Jamboo account. Below are common types relevant to our services:
Emergency Scams: Someone pretending to be a friend or family member claiming they urgently need money sent via Jamboo for an emergency.
Rental Scams: Fake landlords requesting deposits or rent payments to be sent through money transfer services.
Online Shopping Scams: Sellers advertising products at low prices on social media, requesting payment via money transfer, then disappearing without delivering goods.
Phishing Scams: Legitimate-looking emails, texts, or messages claiming to be from Jamboo, asking you to verify your account or login details.
Smishing and Vishing: Deceptive SMS messages or voice calls claiming to be from Jamboo, delivery companies, or service providers asking for payments.
Prize or Payment Traps: Claims of winning a prize that requires you to send a processing fee or pay taxes via money transfer.
Fake Tech Support: Unsolicited calls claiming your device has a virus and requesting payment via Jamboo to fix it.
Impersonation Scams: Scammers posing as officials (police, HMRC, council) or family members urgently requesting money.
Romance Scams: Building fake romantic relationships online before asking for money to be sent for various emergencies or travel expenses.
HMRC Impersonation: Fraudsters pretending to be HMRC, asking for money or personal details by phone, text, or email concerning unpaid tax or a tax rebate. **Note:** HMRC will never contact you by text or email about payments; they will only send you a letter.
Authority Impersonation: Pretending to be police, utility companies, or landlords asking for urgent money transfers to avoid legal action or service disconnection.
Airtime Resale Scams: Fraudsters asking you to purchase airtime for them with promises of repayment or profit, which never materializes.
A 'money mule' is a person who lets someone else use their Jamboo account or bank details to transfer money. The account holder may keep a portion of this money for themselves.
If you are involved in this type of activity, it can lead to criminal charges because of your involvement, whether you knew you were part of the process or not.
How the Scam Works:
Fraudsters first obtain money illegally. To hide the source of the money from authorities, they move it through your account. The fraudster will gain your trust and ask if they can send you money, before asking you to send the money back to them or to another person. If you do this, you would be taking part in the criminal act of **money laundering**.
To ensure you don't become a money mule:
- Only ever receive money from someone you trust completely and know personally
- Never agree to receive money which you'll then send to another account or person
- Never send money on behalf of someone, even if they say you can keep a percentage
- Be suspicious if someone you've only met online asks you to receive and transfer money
- Don't let others use your Jamboo account for their transactions
Consequences:
If you let someone use your account to transfer money, you may be laundering criminal funds. This money could be used to fund serious organized crime. If you get caught doing this, you could:
- Get a criminal record
- Have your Jamboo account permanently closed
- Be unable to open accounts with other financial service providers
- Face prosecution and potential imprisonment
You can learn more at https://www.nationalcrimeagency.gov.uk/moneymuling
If you feel you've been contacted by a fraudster, follow these steps to best protect yourself:
1. Verify Sources: Beware of unsolicited communications. Always research the sender or company before sharing personal information or sending money.
2. Trust Your Instincts: If something feels off, investigate further. Be cautious of offers that seem too good to be true or requests for urgent money transfers.
3. Verify Recipients: When sending money, double-check the recipient's details. If you're unsure, contact them directly using a phone number or contact method you already have (not one provided in the suspicious message).
4. Use Secure Devices: Only access your Jamboo account from secure, trusted devices. Avoid using public or shared computers for money transfers.
5. Update the Jamboo App: Ensure you have the latest security updates by enabling auto-updates on your device.
6. Report Suspicious Activity: Contact Jamboo customer support at support@jamboo.app if you notice anything unusual. Alternatively, you can also contact Action Fraud at https://www.actionfraud.police.uk/ or 0300 123 2040.
7. Never Share Your Personal Details: Never share your Jamboo password, PIN, verification codes, or login details with anyone else. Jamboo staff will **never** ask for these details.
8. Stay Informed: Familiarize yourself with common types of scams and how to recognize and avoid them. Always look for updated information on our website at www.jamboo.app.
9. Be Cautious with Airtime Purchases: Only buy airtime for people you know and trust. Be wary of requests to purchase airtime for strangers or as part of a "business opportunity."
10. Question Urgency: Legitimate organizations won't pressure you to transfer money immediately. Take time to verify requests.
Monitor Your Transactions:** Regularly review your transaction history in the Jamboo app.
Check for:
- Transfers you didn't authorize
- Airtime purchases you didn't make
- Unusual recipient names or phone numbers
- Transactions to unfamiliar accounts
Report Fraud Immediately:** If you spot unauthorized activity, contact Jamboo through:
- In-app support chat
- Email: support@jamboo.app
- Temporarily disable your account through the app if you suspect it's been compromised
If you suspect you've been scammed or experienced fraud, report the incident to:
Jamboo Customer Support:
- Email: support@jamboo.app
- In-app support chat
Action Fraud:
The UK's national fraud and cybercrime reporting center
- Website: https://www.actionfraud.police.uk/
- Phone: 0300 123 2040
Victim Support UK:
Provides free and confidential help to crime victims
- Website: https://www.victimsupport.org.uk/
Stop Scams UK:
Offers resources and assistance for dealing with fraud
- Website: https://stopscamsuk.org.uk/
Take Five to Stop Fraud:
National awareness campaign offering practical advice
- Website: https://www.takefive-stopfraud.org.uk/
1. Stop All Communication: Cease interacting with the scammer immediately. Block their number and email address.
2. Contact Jamboo Immediately: Report the scam through our app or by emailing support@jamboo.app. Provide:
- Transaction reference numbers
- Recipient details
- How you were contacted
- Timeline of events
3. Secure Your Account:
- Change your Jamboo password immediately
- Enable two-factor authentication if not already active
- Review and update your security settings
- Check for any linked accounts or suspicious activity
4. Report to Authorities: File a report with Action Fraud, providing:
- Details of the scam
- Transaction information
- Any communications with the scammer
- Financial losses incurred
5. Notify Other Institutions: If you shared personal information, inform:
- Your bank or other payment providers
- Credit reference agencies (if identity theft is suspected)
6. Keep Evidence: Save all communications, screenshots, emails, and transaction records related to the scam.
Authorized Payments:
If you authorize a money transfer yourself (even if you were tricked), recovering your money can be difficult. This is why it's crucial to verify all payment requests before sending money.
Unauthorized Payments:
If someone accessed your account without your permission, report it immediately. You will not be liable for unauthorized transactions if:
- You kept your account details secure
- You reported the fraud as soon as you discovered it
- You did not act fraudulently yourself
Your Responsibilities:
- Keep your login credentials confidential
- Use strong, unique passwords
- Never share verification codes
- Report suspicious activity immediately
- Follow our security guidelines
**Real-Time Fraud Detection:** After you open an account with us, we continuously monitor your account activity. Suspicious transactions are flagged immediately for review.
**Transaction Limits:** We set limits on money transfers and airtime purchases to help protect you from large fraudulent transactions.
**Customizable Security Settings:**
- Set up a secure passcode or use biometric authentication (fingerprint or face recognition)
- Enable two-factor authentication (2FA) for additional login security
- Receive instant notifications for all transactions
**Secure Communications:** Jamboo will only communicate with you through:
- Official in-app chat support
- Emails from @jamboo.app domain
- SMS from our registered business number
**We will NEVER:**
- Ask for your password or PIN via email, phone, or SMS
- Request remote access to your device
- Pressure you to make immediate transfers
- Ask you to transfer money to "verify" your account
- Contact you from personal email addresses or social media accounts
**Account Security Features:**
- Encryption of all sensitive data
- Secure login with password and 2FA
- Ability to temporarily disable your account in the app
- Transaction history and receipt downloads
- Instant transaction notifications
**Before Sending Money:**
✓ Verify the recipient's identity if it's someone you've never sent money to before
✓ Confirm the request through a separate, trusted communication channel (phone call to a known number)
✓ Be extra cautious with international transfers to people you've only met online
✓ Question requests for secrecy or urgency
✓ Never send money to claim prizes, pay taxes on winnings, or help someone you've never met in person
**Red Flags for Money Transfer Scams:**
✗ Requests to send money to receive a prize or inheritance
✗ Online romance interests asking for money for emergencies or travel
✗ "Business opportunities" requiring you to transfer money to others
✗ Pressure to send money before you can verify the request
✗ Requests to keep the transfer secret from family or authorities
**Safe Airtime Practices:**
✓ Only purchase airtime for yourself or people you know personally
✓ Verify requests from friends/family through a separate communication method
✓ Be cautious of requests to buy airtime as part of a money-making scheme
✓ Check that the phone number receiving airtime is correct before confirming
**Airtime Scam Red Flags:**
✗ Promises of profit from purchasing and reselling airtime
✗ Requests to buy airtime for strangers or online acquaintances
✗ "Urgent" requests for airtime top-ups from unfamiliar numbers
✗ Offers to pay you more than the airtime value in return
At Jamboo, we believe that informed customers are protected customers. We regularly update our fraud awareness resources:
- Check our website for the latest scam alerts
- Read our in-app security tips and notifications
- Follow our official social media channels for fraud warnings
- Contact customer support if you're unsure about any transaction
**Remember:** If you're ever uncertain about a money transfer or airtime purchase request, pause and verify before proceeding. It's always better to delay a legitimate transaction than to fall victim to a scam.
For fraud-related concerns or security questions:
Email: support@jamboo.app
In-App Support: Available 24/7 through the Jamboo app
Website: www.jamboo.app
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**Stay Vigilant. Stay Safe. Stay Connected with Jamboo.**
*Last Updated: February 2026*
© Jamboo Ltd 2024
