How to stop a dream holiday turning into a financial nightmare

Holidays are meant to be a time to relax, unwind and make memories. But getting scammed while you're away can quickly turn that dream getaway into a very expensive headache.

From sneaky phone thefts to fake hotel calls, holiday scams come in many shapes and sizes – and they often catch people off guard when they’re most relaxed. But with a few simple precautions, you can protect yourself and your money while you’re abroad.

Writing in the Mirror, MoneyMagpie editor and financial expert Vicky Parry highlighted five common holiday scams to watch out for this summer.

1. The napkin phone swipe

You’re sitting at a café, enjoying the view and scrolling through your photos. You leave your phone on the table for a moment – and then someone walks up asking for directions or trying to sell something. They casually place a menu or leaflet over your phone, and when they walk away, your phone’s gone too.

How to stay safe:
Keep your phone in a zipped pocket or bag when not in use. Some people use phone lanyards or clips that attach to their belt or bag to stop quick snatches.

2. Dodgy taxi detours

Taxi scams are common in tourist hotspots. Some drivers take the ‘scenic’ route to run up the fare, while others might insist your hotel is closed or full – conveniently offering to take you to another one that pays them commission.

How to stay safe:
Use taxi apps like Uber or Bolt where possible, or agree the fare before you get in. Follow your route on Google Maps so you know if you’re being taken the long way round. And never take a driver’s word for it if they say your hotel is closed. Confirm this with the hotel before changing your plans.

3. Accommodation cons

A less well-known but growing scam involves fake hotel desk calls. You might get a late-night phone call from someone claiming to be the hotel receptionist, saying there’s an issue with your card and they need your details again. Tired and assuming it’s legitimate, some travellers hand over their information without thinking.

How to stay safe:
If you get a call like this, hang up and go to reception in person. Never give out your card details over the phone unless you’re 100% sure who you're talking to.

4. USB charging traps

You find a public charging point at the airport or café and plug in your phone. Seems innocent enough, right? But in a scam known as ‘juice jacking’, criminals use tampered USB ports to steal your personal data while your phone charges.

How to stay safe:
Use your own plug and cable, and only connect to a wall socket rather than a USB port. Avoid public Wi-Fi if you can – or use VPN.

5. The ‘free’ gift that isn’t

Someone offers you a bracelet or trinket, claiming it’s a gift. They might even put it on your wrist. But when you try to walk away, they demand payment. If you refuse, they may cause a public scene to pressure you into handing over money.

How to stay safe:
Be polite but firm – don’t accept items from strangers, even if they insist they’re free.

Top tips for staying safe abroad

Parry advises:

• Keep your valuables secure – zipped pockets, crossbody bags, or hotel safes are best.
• Photograph important items that you leave in a hotel safe in case you need to remember or prove what was in there later.
• Carry a copy of your passport and key documents – email a digital version to yourself too.
• Use prepaid travel cards or limit the funds on your bank card for added protection.
• Write down emergency contacts, including the local embassy or consulate, and store them separately from your valuables.
• Always trust your instincts – if something doesn’t feel right, walk away.

A little planning goes a long way when it comes to staying safe on holiday. By being aware of these common scams and taking a few precautions, you can enjoy your break without the financial fallout.