Be cautious of unsolicited calls, messages or social media offers, promises of guaranteed or unusually high returns, and pressure to decide quickly. Requests to send money to a personal account, use cryptocurrency, or pay extra fees before withdrawing funds can also be warning signs. Check whether the firm is authorised by the Central Bank of Ireland and search its investor warnings before engaging, but remember that scammers may impersonate genuine firms. If you are unsure, stop communicating and seek guidance from the Central Bank, Citizens Information or MABS before transferring money.