What's Your Scam-Spotting IQ? Test How Well You Can Spot Fraud
Test your ability to identify scams with 12 real‑world scenarios. Ideal for anyone handling finances or online communications; finish with a score and practical tips to stay safe.
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About this template
What's Your Scam-Spotting IQ? Test How Well You Can Spot Fraud is a free quiz template with 15 questions. Take the live preview above, then copy it into your own RooQuiz account — the questions, results and follow-up are all yours to edit before you publish.
What's inside: 15 questions
Every question below comes with the template, in this order. After you copy it, you can reword, reorder or remove any of them.
- You get a text from your "bank" saying your account is locked, with a link to verify your identity. What is the safest move?Ignore the link and contact the bank using the number on your card or official app · Click the link but only enter your username, not your password · Reply STOP to find out if the message is real · Call the phone number listed in the text
- A text says you owe $6.99 in unpaid tolls and will face a late fee unless you pay today via the link. What should you do?Pay it quickly since the amount is small · Don't click; check your balance on the toll agency's official website or app · Reply asking for more details · Click the link to check, but don't enter card details
- A caller says they are from a government agency and that you'll be arrested today unless you pay a fine immediately. This is most likely:A standard collection process · An impostor scam using fear and urgency · A legitimate warning you should act on quickly · A billing error you can fix by paying now
- Your "grandson" calls in a panic, his voice sounds exactly right, and he needs bail money wired now. What's the best first step?Send a small amount first to test if it's real · Ask him to text you a photo as proof · Wire the money since you recognize his voice · Hang up and call him or another family member on a number you already know
- Which payment method is a major red flag when someone you don't know asks you to use it?Credit card through a well-known store · A check mailed to a business address · Gift cards · An invoice paid through your accounting software
- An online investment promises "guaranteed" returns of 2% per week with no risk. What should you conclude?It's a rare opportunity worth trying with a small amount · It's almost certainly a scam: real investments don't guarantee high returns · It's safe if the website looks professional · It's fine as long as early withdrawals work
- Someone you met on a dating app months ago, but never met in person or on live video, asks for money for an emergency. This pattern is called:A romance scam · Identity verification · A phishing audit · Social proof
- An unsolicited WhatsApp message offers a remote job: get paid to "rate products" or "like videos". After a few small payouts, you're told to deposit your own money to unlock bigger earnings. What is this?A normal onboarding step for gig work · A legitimate side hustle if the first payouts were real · A tax requirement before withdrawing earnings · A task scam: real jobs never make you pay to get paid
- A buyer on a marketplace "accidentally" overpays you by check and asks you to send back the difference. What's going on?It's a genuine mistake you should refund quickly · It's safe once the funds appear in your account · It's a fake-check scam: the check will bounce after you send the money · It's a tax issue for the buyer
- What does a padlock icon or "https" in a browser address bar actually tell you?The site has been verified as safe by your bank · The business is legally registered · The site cannot steal your information · The connection is encrypted, but the site itself could still be fake
- You receive a code by text that you didn't request, and then someone calls asking you to read it back to "confirm your identity". You should:Read it back since they already have your phone number · Share only the first half of the code · Never share it: it's likely someone trying to break into your account · Share it if the caller knows your full name
- Which email detail is the strongest sign of a phishing attempt?The sender's address is a lookalike domain, such as paypa1-support.com · The email includes the company logo · The email was sent on a weekday · The email has an unsubscribe link
- At a parking meter, you notice a QR code sticker that says "Scan to pay". What's the safest way to pay?Scan it, since QR codes can't contain viruses · Scan it and pay if the page shows the city's logo · Use the meter itself or the city's official parking app instead · Scan it but pay with a debit card instead of credit
- A pop-up says your computer is infected and tells you to call "tech support" right away. The best response is:Call the number so they can remove the virus · Let them connect remotely but watch what they do · Pay for the fix if the price is low · Close the browser and don't call the number
- If you realize you've sent money to a scammer, what should you do first?Wait a few days to see if the money comes back · Contact your bank or payment provider immediately, then report the scam · Pay a "recovery service" that promises to get it back · Confront the scammer and demand a refund
Result levels
The total score places each respondent in one of 3 levels, each with its own message on the result page.
Easy Target
Score below 90Scammers would have a good shot at you right now, and you're not alone: these tricks are designed by professionals to beat smart people. The good news is that a handful of habits block most of them.
Street Smart
Score 90–130You catch most red flags, but a well-crafted scam could still slip through, especially the newer ones like AI voice clones, task scams and fake QR codes. Review the questions you missed below.
Scam Spotter
Score 130+Excellent. You know the playbook scammers use and how to shut it down. Your biggest impact now is protecting the people around you: older relatives, teenagers and friends new to investing are frequent targets.
How scoring works
Each question has one correct answer and a point value. Correct answers add up to a total score, the total decides the level, and each answer can show a short explanation so people learn as they play.
How to use this template
- Answer the live preview yourself to see exactly what a respondent sees, question by question.
- Copy it into your account — the questions, scoring logic and result pages all come with it.
- Rewrite the copy, add your own branding and call to action, then publish it on your own link or embed it on your site.