Why this matters
Sending money is quick and convenient — and that same speed is what fraudsters exploit. A few simple habits make your transfers dramatically safer without slowing down your everyday payments. This article brings together the key practices for sending money securely.
Before you send
Know who you're paying. Confirm the recipient is who you think, and that the account details are correct. → See: Before You Send: Verifying Payment Details & Beneficiaries
Verify new or changed details through a trusted, separate channel — not the message that requested the payment.
Be extra careful with first-time recipients. Consider a small test amount before a large transfer.
Never send money to a "safe account." No genuine institution will ever ask you to.
Recognise risky situations
Be cautious when a transfer involves any of these:
Urgency or pressure to pay right now.
Secrecy — being told not to explain the real reason.
Unexpected contact requesting payment.
Unusual methods — crypto, gift cards, vouchers.
Upfront fees for prizes, loans, jobs, or refunds.
Emotional stories or "too good to be true" deals.
Any one of these is a reason to pause and verify.
Good habits for every transfer
Double-check the amount and recipient on the confirmation screen before approving.
Keep your account secure with a strong, unique password and a locked device. → See: Strong Passwords & Password Managers
Don't transfer on someone else's instructions during an unexpected call or message.
Watch for follow-up scams. After any loss, ignore anyone promising to recover your money for a fee.
Keep records of your transfers in case you need them.
If something feels wrong
You don't have to decide alone. If a transfer request feels off — unexpected, rushed, or just not quite right — message the 24/7 support chat in the Blackcat or Blackcatcard app before you send. Checking first is always cheaper than trying to recover money afterwards.
What to do if a transfer went to a fraudster
Contact us immediately via the in-app support chat — the first minutes matter most.
Stop further payments and cut contact with the fraudster.
Keep all details of the transfer and the request.
Report it so we can act and warn other users.
→ See: I Think I've Been Scammed: Immediate Steps