Online safety for seniors: scam protection & secure tools

Tech scams targeting adults 50+ are more sophisticated than ever. This page covers the threats to know, the tools that protect you, and the steps that make the biggest difference.

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April 2026 Scam Alert: AI voice cloning fraud rising sharply
Scammers are now using AI to clone the voices of adult children and grandchildren in "grandparent scam" calls. If you receive an urgent call for money from a family member, hang up and call them back on their known number before doing anything.

The 6 scams most targeting seniors right now

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Tech Support Scams
A pop-up or call claims your computer is infected and asks you to call a number or grant remote access. Microsoft and Apple never contact you this way.
⚠Red flag: Anyone asking for remote access to your computer or gift card payment
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Grandparent Scams
A caller claims to be your grandchild in trouble and needs money immediately. Now enhanced with AI voice cloning.
⚠Red flag: Urgency, secrecy ('don't tell Mom'), and requests for wire transfer or gift cards
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Medicare & Social Security Fraud
Callers impersonate government agencies claiming your benefits are suspended or your number is compromised.
⚠Red flag: Government agencies never call to demand immediate payment or threaten arrest
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Phishing Emails & Texts
Fake emails from 'Amazon', 'Netflix', or 'your bank' ask you to click a link and enter your login details.
⚠Red flag: Urgency, spelling errors, links that don't match the sender's real domain
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Investment & Romance Scams
Fake investment opportunities or online relationships that eventually ask for money, often targeting recently widowed adults.
⚠Red flag: Promises of guaranteed returns, online relationships that never meet in person
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Fake App & Software Scams
Counterfeit apps or software updates that steal passwords or install malware when downloaded.
⚠Red flag: Apps from outside official stores, software updates requested via pop-up
Full scam guide
Deep-dive into each scam type with real examples and step-by-step advice on what to do if you've been targeted.
Read the guide →
Recommended tools

The three tools every senior needs online

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Password Manager
Stops the most common attack: password reuse. One strong password manager replaces dozens of weak ones.
1Password
The most senior-friendly password manager. Simple family sharing, excellent support, strong security record.
Learn MoreFrom $2.99/mo
Dashlane
Strong alternative with built-in VPN and dark web monitoring. Slightly more complex interface.
Learn MoreFrom $4.99/mo
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VPN (Virtual Private Network)
Encrypts your internet connection on public Wi-Fi, in coffee shops, airports, and doctor's offices.
NordVPN
Easiest VPN for non-technical users. One-click connect, works on phones, tablets, and computers.
Learn MoreFrom $3.99/mo
ExpressVPN
Fastest VPN with the simplest interface. Slightly pricier but excellent for streaming and travel.
Learn MoreFrom $6.67/mo
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Security Software
Real-time protection against malware, ransomware, and spyware, especially on Windows computers.
Malwarebytes Premium
Lightweight, doesn't slow computers. Removes existing malware and blocks new threats in real time.
Learn MoreFrom $3.75/mo
Bitdefender Total Security
More comprehensive than Malwarebytes. Best if you want all-in-one protection for multiple devices.
Learn MoreFrom $2.50/mo
Quick reference

10 rules that stop 90% of online scams

1
Never give remote access
Legitimate companies never cold-call to fix your computer. Hang up immediately.
2
Use a password manager
One strong, unique password per site. Never reuse passwords.
3
Enable two-factor authentication
Even if someone gets your password, they can't log in without your phone.
4
Verify before you click
Hover over links to see the real URL. When in doubt, go directly to the website.
5
Call back on a known number
If a 'family member' calls for help, hang up and call them on their real number.
6
Gift cards are never payment
No government agency or legitimate business accepts gift cards as payment. Ever.
7
Update your software
Keep phones, tablets, and computers updated. Updates patch security holes scammers exploit.
8
Use a VPN on public Wi-Fi
Coffee shop, airport, hotel Wi-Fi: always use a VPN before entering any login details.
9
Don't overshare on social media
Scammers mine Facebook and Instagram for names, family details, and travel plans.
10
Trust your instincts
If something feels wrong or too good to be true, it usually is. Take your time.
Common questions

Online safety questions answered

First, don't be embarrassed. These scams are sophisticated and target everyone. Steps: (1) Contact your bank immediately if money was sent. (2) Change passwords for any compromised accounts. (3) Report to the FTC at reportfraud.ftc.gov. (4) Call the AARP Fraud Helpline at 877-908-3360 for guidance.
Look for 'https://' at the start of the URL (the padlock icon). Check the domain carefully: scammers use domains like 'amaz0n.com' or 'amazon-support.net'. When in doubt, type the company's web address directly into your browser instead of clicking a link.
A VPN is most important when using public Wi-Fi (coffee shops, airports, hotels). At home on your private internet connection, a VPN is less critical, though it does add a layer of privacy. For seniors who travel or use public networks regularly, we recommend NordVPN as the easiest option.
iPhones are very resistant to malware due to Apple's closed ecosystem. Android phones are somewhat more vulnerable, but still much safer than Windows computers. The biggest risk on mobile is phishing: fake text messages and emails that trick you into giving up passwords.
Use a credit card (not debit) for online shopping. Credit cards have stronger fraud protection. Shop only on established retailers. Look for 'https://' in the URL. Check your statements monthly for unfamiliar charges. Consider using a dedicated card with a low limit for online shopping.