The risk is highest when distance and urgency combine
International students are attractive targets because they often need to secure housing quickly and cannot inspect a property in person. A convincing listing is not proof that the property, landlord or agency is legitimate.
Before you transfer money
- 1
Verify the property
Check that the address exists, the photos are consistent and the listing is not copied from another source.
- 2
Verify the counterparty
Know whether you are dealing with the owner, an authorised agency, a residence or an online platform.
- 3
Get the written terms
You should understand the property, dates, amount due, purpose of each payment and cancellation conditions.
- 4
Check payment protection
Verified platforms may hold funds or offer tenant protection. Bank transfer directly to an unknown person offers far fewer safeguards.
- 5
Slow down if the story changes
Different bank accounts, sudden extra fees or a new “owner” at the last minute are reasons to stop and re-verify.
Common warning signs
- Price far below comparable homes in the same area
- Owner claims to be abroad and cannot arrange any credible verification
- Payment requested before any contract or booking terms
- Pressure to pay within minutes or lose the property
- Refusal to provide identity or agency details
- Bank beneficiary does not match the person/company in the documents
- Photos look like professional portal images but the listing exists nowhere else
- Communication moves immediately off a reputable platform to an unverified channel
Remote viewing options
A live video call, trusted local viewing or verified booking platform can reduce uncertainty. None of these replaces reading the contract, but they give you additional independent evidence that the property and counterparty are real.
If you think you have been scammed
Stop further payments, preserve messages and documents, contact your bank/payment provider immediately and report the incident through the relevant platform and authorities. Speed matters when a transfer may still be reversible.
FAQ
Is every private landlord risky?
No. Many legitimate rentals are offered directly by owners. The point is to verify identity, authority, property and written terms.
Does a video call prove ownership?
No. It can verify access to the property, but ownership or authority to rent still needs to be established.
Are agencies always safe?
Use established, identifiable agencies and verify their details. A logo or website alone is not enough.
Should I ever pay a deposit remotely?
Remote payments are common, but only after adequate verification and clear written terms. Prefer payment methods or platforms with meaningful protection when possible.