December in Ghana: Beware of ‘I don’t have Cedis boras’ Scams – Life Pulse Daily Safety Guide

Introduction

As December approaches, Ghana welcomed thousands of citizens and international visitors for the festive season. While the warm hospitality and vibrant celebrations make this period special, cybercriminals and opportunistic scammers often exploit the increased social activity. One persistent fraud pattern targeting both locals and returnees—commonly known as “borgas”—involves individuals claiming they cannot access local currency (Ghana Cedis) upon arrival. This article breaks down the tactics behind these scams, explains why they succeed, and provides actionable strategies to protect yourself and others during the holiday season.

Key Points

Background

The Tradition of December in Ghana

For decades, December has been a sacred month for Ghanaians living abroad. Families reunite, festivals like the “Abandzie” ceremony honor ancestors, and communities host large gatherings. This cultural practice—often referred to as “coming home for Christmas”—has forged deep emotional ties across generations. However, the modern era of social media and increased international travel has also introduced new vulnerabilities.

Rise of Festive Season Scams

With the growth of December festivities—concerts, parties, and religious events—Ghana has seen a corresponding rise in financial fraud. Scammers capitalize on the goodwill of hosts, the excitement of reunions, and the tendency for people to share personal details online. The “I don’t have Cedis boras” scam emerged prominently in the mid-2010s and has evolved with technology, now frequently orchestrated through Instagram, WhatsApp, and dating platforms.

Analysis

How the ‘No Cedis Bora’ Scam Works

According to innovation security advisor Mr. Derek Laryea, the scam follows a predictable pattern:

1. Profile Creation: Attackers set up seemingly authentic social media accounts, often using stolen photos or AI-generated images.
2. Rapid Relationship Building: They engage in quick, charming conversations, aligning with the victim’s interests or cultural background.
3. Emergency Trigger: Once trust is established, the scammer fabricates a financial crisis—delayed currency exchange, a non-functioning card, or a “clearing” issue.
4. Urgency & Secrecy: The request is framed as time-sensitive and confidential, pressuring the victim to act before verifying details.

Mr. Laryea emphasizes that legitimate travelers rarely lack funding upon arrival, as they can access resources through family, hosts, hotels, banks, airlines, or exchange bureaus at Kotoka International Airport.

Psychological Manipulation

Scammers rely heavily on emotional manipulation. By creating a sense of urgency and exploiting the natural generosity of Ghanaians, they override rational decision-making. “Slow down the conversation,” advises Laryea. “Scammers depend on haste; deliberation exposes their deception.” Common tactics include feigned tears, claims of embarrassment, or appeals to shared cultural values (“We’re family, help me out”).

Digital Footprint Red Flags

Victims often overlook warning signs embedded in the scammer’s online presence:
– Accounts created within the last six months.
– Profiles with only one or two low-resolution images.
– Inconsistent language proficiency (e.g., a “Ghanaian” borra struggling with basic Twi phrases).
– Refusal to participate in video calls or voice messages.
These indicators suggest the profile may be fabricated or controlled by someone unfamiliar with the claimant’s supposed background.

Practical Advice

Verifying Identities Before Meeting

Before agreeing to any financial assistance, take these steps:
– Cross-reference the individual’s travel history using public flight records or timestamped social media posts.
– Request a video call to confirm physical appearance and speech patterns.
– Ask direct questions about Ghanaian culture, local events, or family details only a genuine returnee would know.
– Check if the person has legitimate contact information linked to known banks or institutions.

Managing Travel Finances Safely

Legitimate travelers prepare for currency access well in advance. If you’re hosting a borra, consider these safeguards:
– Encourage them to use licensed forex bureaus at Kotoka International Airport, which operate 24/7.
– Verify that their bank card is functional through their financial institution before arrival.
– Offer to assist with a small, pre-agreed “welcome package” rather than open-ended loans.
– Insist on receipts and documentation for any transactions.

Strengthening Online Security

To reduce exposure to scams, adopt these habits:
– Limit public posts about travel plans, especially flight details and accommodation locations.
– Review privacy settings to restrict who can message or view your content.
– Educate family members—especially elderly relatives—about common scam scripts.
– Report suspicious accounts to platform moderators and local authorities.

When in Doubt, Say No

Ghana’s reputation for warmth should never override common sense. If a request feels pressured or unusual, it likely is. Legitimate emergencies allow time for verification; scams thrive on impatience. Trust your instincts, and prioritize safety over generosity.

FAQ

Conclusion

December in Ghana remains a joyous occasion of reunion and celebration. By understanding the “I don’t have Cedis boras” scam mechanics and adopting proactive verification practices, you protect not only your finances but also the spirit of community that makes this season meaningful. Remember: patience, skepticism, and simple due diligence are powerful tools against deception. Stay informed, stay cautious, and enjoy a safe, fulfilling festive period.