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The Dangers of Online Identity Theft and How to Protect Yourself While Living in the UK as a Ghanaian Expat

07 Jun 2023

Online identity theft is the act of stealing someone's personal and financial information through the use of the internet. If you are a Ghanaian expatriate working abroad and typically send money to Ghana online to your family, you might also be at risk of facing online identity theft.


It is a serious crime that can lead to financial loss, credit damage, reputation damage, and legal trouble. There are several ways that online identity theft can occur, such as phishing scams, malware, and hacking. Online identity theft occurs when a person's personal and confidential information is stolen through the use of the Internet. This can include a wide range of information, such as social security numbers, credit card information, usernames and passwords, and other sensitive data. 


Criminals can obtain this information through various means, such as phishing scams, malware attacks, or by exploiting vulnerabilities in websites and online systems. Once they have access to this information, they can use it for fraudulent purposes, such as making unauthorised purchases, opening new credit accounts, or even committing crimes in the victim's name. 

Keep reading to learn about the dangers of online identity theft and how you can protect yourself while using digital platforms. 

Online Identity Theft -  A Constant Risk

Online identity theft can have serious consequences for victims, including financial loss, damage to their credit score, and damage to their reputation. It's important to take steps to protect your personal information online, such as using strong passwords, avoiding suspicious emails and links, and regularly monitoring your accounts for suspicious activity.  

Online identity theft refers to the unauthorised use of someone's personal information to commit fraud or other criminal activities over the Internet. This can include stealing a person's name, Social Security number, credit card information, bank account details, passwords, and other sensitive information.  

Criminals can use this stolen information to make purchases, open credit accounts, apply for loans, file false tax returns, or even commit crimes in the victim's name. Identity theft can cause serious financial and legal problems for the victim, as well as damage to their credit rating and reputation.

How It Can Occur

Online identity theft can occur through various means, such as phishing emails, malware, hacking, or through data breaches of online services or retailers. It is important to take steps to protect your personal information online, such as using strong passwords, being cautious of suspicious emails or websites, and regularly monitoring your financial accounts for any unauthorised activity. 

It’s recommended that when you make a money transfer to Ghana using a digital platform, ensure a unique password and keep your information private and hidden. Avoid sharing your personal information and online account credentials with anyone to avoid getting trapped in such hassles as online identity theft. 

Dangers Of Online Identity Theft


Financial Loss

One of the most significant dangers of online identity theft is financial loss. Cybercriminals can steal your credit card or bank account information and use it to make fraudulent purchases or withdrawals. This can lead to a significant financial loss, and it may take a long time to recover your money.


Credit Damage

Another danger of online identity theft is credit damage. Cybercriminals can use your personal information to open new credit accounts in your name. This can result in a decrease in your credit score, making it difficult for you to obtain credit in the future.


Reputation Damage

Online identity theft can also damage your reputation. Cybercriminals can use your identity to post inappropriate or illegal content online, damaging your reputation and potentially causing you legal trouble.


Legal Trouble

Online identity theft can also result in legal trouble. If cybercriminals use your identity to commit a crime, you may be held responsible for your actions. This can result in fines, legal fees, and even imprisonment. 

Protect Yourself From Online Identity Theft 


Use Strong Passwords And Two-Factor Authentication

Use strong, distinctive passwords for all your online accounts and allow two-factor authentication whenever feasible. This will make it more tricky for cybercriminals to access your accounts, as they will have to bypass extraordinary security measures. 

When you make an online money transfer to Ghana from abroad, you must ensure that you are using a trusted remittance provider and that your data and information aren’t at risk.


Avoid Phishing Scams

Be wary of emails, phone calls, or messages that ask for your personal or financial information. Legitimate companies will never ask you for this information over email or text. 

Use Secure Websites

Only use secure websites when making online transactions. Look for the padlock symbol in the URL bar and make sure the URL begins with "https.”


Monitor Your Credit Reports

Regularly monitor your credit reports to ensure that no new accounts have been opened in your name without your permission.


Protect Your Devices

Ensure that your devices are protected with up-to-date antivirus and anti-malware software. Keep your operating system and applications updated with the latest security patches to ensure that any known vulnerabilities are addressed.


Be Careful With Public Wi-Fi

Avoid utilising public Wi-Fi networks to access sensitive data such as online banking or credit card details. If you really have to use public Wi-Fi, use a VPN to encrypt your connection and safeguard your information from prying eyes. 

Limit Your Online Sharing

Be cautious about what information you share online, especially on social media. Cybercriminals can use this information to build a profile of you and use it for phishing scams or identity theft.


The Way Forward

Online identity theft is a serious crime that can have significant consequences. As a Ghanaian expat living in the UK, it is essential to take steps to protect yourself from online identity theft. By following these tips, you can reduce your risk of becoming a victim and ensure that your personal and financial information remains secure. And if you need to send money online to Ghana from overseas, make sure to use a reputable money transfer service to ensure a safe and secure transaction.




What is online identity theft, and why is it dangerous?

Online identity theft is dangerous because it involves stealing personal information through the internet, which can be used for fraudulent activities. It's dangerous because it can lead to financial loss, damage to one's credit score, or even legal issues if the stolen identity is used for criminal activities.


As a Ghanaian expat living in the UK, am I at a higher risk of online identity theft?

While anyone can become a victim of online identity theft, expats can be at a higher risk due to their frequent online activities to manage financial affairs in both their home country and their current country of residence. This might expose their sensitive information to hackers more frequently. 

How can online identity thieves target me specifically as an expat?

Identity thieves can specifically target you as an expat through various means, including phishing emails purporting to be from immigration or tax services, fraudulent investment opportunities, or fake rental listings. It's crucial to be vigilant when receiving unsolicited emails or when conducting financial transactions online. 

What steps can I take as a Ghanaian expat in the UK to protect myself from online identity theft?

To protect yourself from online identity theft, ensure you use strong, unique passwords for all your online accounts and change them regularly. Always use secure and encrypted connections, particularly when conducting financial transactions. Avoid sharing sensitive personal information on social media, and be wary of unsolicited emails asking for your personal details or banking information. 

What should I do if I suspect I've been a victim of online identity theft in the UK?

If you suspect you've been a victim of identity theft in the UK, immediately contact your bank to secure your accounts. Report the incident to Action Fraud, the UK’s national reporting centre for fraud and cybercrime. Monitor your credit reports closely for unusual activity. You may also need to contact the UK's Information Commissioner's Office (ICO) for guidance, especially if there's a data breach involving your personal information.


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