{"id":3595,"date":"2026-06-17T13:14:17","date_gmt":"2026-06-17T18:14:17","guid":{"rendered":"https:\/\/blog.nu.com\/sin-categoria\/what-is-a-scam-and-how-is-it-different-from-fraud\/"},"modified":"2026-06-19T14:40:53","modified_gmt":"2026-06-19T19:40:53","slug":"what-is-a-scam-and-how-is-it-different-from-fraud","status":"publish","type":"post","link":"https:\/\/blog.nu.com\/es\/finanzas\/seguridad\/what-is-a-scam-and-how-is-it-different-from-fraud\/","title":{"rendered":"\u00bfQu\u00e9 es una estafa y en qu\u00e9 se diferencia del fraude?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Recibes un mensaje que parece ser de tu banco. O ves un anuncio con rendimientos demasiado buenos para ser verdad. Algo no cuadra \u2014 pero no sabes c\u00f3mo llamarlo. \u00bfEs una estafa? \u00bfEs un fraude? \u00bfY realmente importa la diferencia?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">S\u00ed importa. La versi\u00f3n corta: el fraude ocurre sin que lo sepas. Una estafa te enga\u00f1a para que act\u00faes. Ambos pueden costarte dinero, pero funcionan de forma diferente \u2014 y saber cu\u00e1l es cu\u00e1l te ayuda a reaccionar m\u00e1s r\u00e1pido y protegerte mejor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En este art\u00edculo te explicamos qu\u00e9 significa cada t\u00e9rmino, con ejemplos reales y pasos simples para cuidarte. Vamos a ello.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00bfQu\u00e9 es el fraude?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">El fraude ocurre cuando alguien toma tu dinero o informaci\u00f3n personal sin tu consentimiento. No aceptaste nada. Quiz\u00e1s ni te enteres hasta que revises tu cuenta y veas cargos que nunca hiciste.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Algunos ejemplos comunes de fraudes y estafas:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Alguien roba el n\u00famero de tu tarjeta y hace compras.<\/li>\n\n\n\n<li>Un delincuente toma el control de tu cuenta bancaria en l\u00ednea.<\/li>\n\n\n\n<li>Un cheque que escribiste es alterado y cobrado por un monto diferente.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">El detalle clave: t\u00fa no actuaste. Tu informaci\u00f3n fue robada. Los sistemas s\u00f3lidos de prevenci\u00f3n de fraude detectan estas situaciones antes de que te afecten.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La magnitud es alarmante. La FTC reporta que los consumidores en EE.UU. perdieron <a target=\"_blank\" href=\"https:\/\/www.ftc.gov\/news-events\/news\/press-releases\/2025\/03\/new-ftc-data-show-big-jump-reported-losses-fraud-125-billion-2024\" rel=\"noreferrer noopener\">m\u00e1s de 12,500 millones de d\u00f3lares por fraude en 2024<\/a>. En Am\u00e9rica Latina, el panorama tambi\u00e9n es preocupante: los fraudes digitales crecen junto con la adopci\u00f3n de pagos m\u00f3viles.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00bfQu\u00e9 es una estafa?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Una estafa funciona diferente. En una estafa, t\u00fa s\u00ed act\u00faas \u2014 pero bajo enga\u00f1o. Alguien te convence de enviar dinero, compartir una contrase\u00f1a o hacer clic en un enlace que parece leg\u00edtimo.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Algunos tipos comunes de estafas:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Un correo de phishing que imita a tu banco y te pide \u00abverificar\u00bb tu cuenta.<\/li>\n\n\n\n<li>Una propuesta de inversi\u00f3n falsa con rendimientos garantizados.<\/li>\n\n\n\n<li>Una estafa rom\u00e1ntica que construye confianza durante semanas antes de pedir dinero.<\/li>\n\n\n\n<li>Un anuncio en redes sociales que vende un producto que no existe.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Cre\u00edste que estabas haciendo algo real. El enga\u00f1o es lo que lo convierte en estafa. Las instituciones financieras est\u00e1n invirtiendo en <a target=\"_blank\" href=\"https:\/\/international.nubank.com.br\/consumers\/nubank-promotes-campaign-to-raise-awareness-about-scams-and-fraud\/\" rel=\"noreferrer noopener\">campa\u00f1as de concientizaci\u00f3n sobre estafas<\/a> para ayudar a las personas a identificar estas t\u00e1cticas. Un ejemplo com\u00fan: las <a target=\"_blank\" href=\"https:\/\/international.nubank.com.br\/consumers\/nubank-provides-tips-to-prevent-new-fake-central-scam\/\" rel=\"noreferrer noopener\">estafas de falsos centros de atenci\u00f3n<\/a>, donde los delincuentes se hacen pasar por representantes del banco.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00bfQu\u00e9 tan comunes son las estafas en l\u00ednea? M\u00e1s de lo que crees. Una investigaci\u00f3n de Pew Research encontr\u00f3 que <a target=\"_blank\" href=\"https:\/\/www.pewresearch.org\/internet\/2025\/07\/31\/online-scams-and-attacks-in-america-today\/\" rel=\"noreferrer noopener\">el 73% de los adultos en EE.UU. han enfrentado una estafa en l\u00ednea<\/a> o intento de ataque (2025). Las <a target=\"_blank\" href=\"https:\/\/consumer.ftc.gov\/consumer-alerts\/2024\/02\/think-you-know-what-top-scam-2023-was-take-guess\" rel=\"noreferrer noopener\">estafas de suplantaci\u00f3n de identidad siguen siendo la categor\u00eda principal<\/a> de denuncias. Es un riesgo cotidiano, no una excepci\u00f3n.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">La diferencia clave, en resumen<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pi\u00e9nsalo as\u00ed:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Fraude:<\/strong> Act\u00faan sin que t\u00fa lo sepas.<\/li>\n\n\n\n<li><strong>Estafa:<\/strong> Te enga\u00f1an para que act\u00faes t\u00fa mismo.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Esta distinci\u00f3n importa a la hora de recuperar tu dinero. Con el fraude, tu banco puede revertir el cargo porque nunca lo autorizaste. Con una estafa, recuperar el dinero es m\u00e1s dif\u00edcil \u2014 porque t\u00fa autorizaste el pago, aunque fuiste enga\u00f1ado.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ambos son da\u00f1inos. Ninguno es tu culpa. Pero requieren respuestas diferentes.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">C\u00f3mo protegerte<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">No necesitas ser experto en seguridad. Unos pocos h\u00e1bitos marcan la diferencia. La prevenci\u00f3n de estafas es una responsabilidad compartida \u2014 entre t\u00fa y tu instituci\u00f3n financiera.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>No te apresures.<\/strong> Los estafadores crean urgencia a prop\u00f3sito. Si un mensaje dice \u00abact\u00faa ahora\u00bb, es momento de detenerte.<\/li>\n\n\n\n<li><strong>Verifica directamente.<\/strong> Llama a tu banco usando el n\u00famero de tu tarjeta o app. Nunca conf\u00edes en un n\u00famero que lleg\u00f3 por mensaje.<\/li>\n\n\n\n<li><strong>No env\u00edes dinero a desconocidos.<\/strong> Confirma identidades antes de transferir cualquier monto.<\/li>\n\n\n\n<li><strong>Presta atenci\u00f3n a las <\/strong><a href=\"https:\/\/consumer.ftc.gov\/articles\/how-avoid-scam\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>se\u00f1ales de alerta<\/strong><\/a><strong>.<\/strong> Solicitudes de pago con tarjetas de regalo, cripto o transferencias son se\u00f1ales de peligro. Tambi\u00e9n la presi\u00f3n emocional y las ofertas demasiado buenas.<\/li>\n\n\n\n<li><strong>Protege tu informaci\u00f3n.<\/strong> Nunca compartas contrase\u00f1as, PINs ni c\u00f3digos de verificaci\u00f3n \u2014 aunque alguien diga ser de tu banco.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Si algo no se siente bien, conf\u00eda en tu instinto. Es mejor pausar y verificar que actuar y arrepentirte. Si crees que fuiste v\u00edctima, contacta a tu banco de inmediato. Entre m\u00e1s r\u00e1pido reportes, m\u00e1s opciones tendr\u00e1s. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Conclusi\u00f3n<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Conocer la diferencia entre estafa y fraude te pone un paso adelante. Puedes identificar lo que est\u00e1 pasando m\u00e1s r\u00e1pido y proteger tu dinero con m\u00e1s confianza.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ninguno es tu culpa. Pero mantenerte informado hace toda la diferencia. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Acceso Exclusivo<\/strong><\/h2>\n\n\n\n<p class=\"open-lead-form wp-block-paragraph\">Nu llega pronto a Estados Unidos y muchos otros pa\u00edses. Recibe novedades exclusivas y descubre cu\u00e1ndo podr\u00e1s registrarte en Nu&nbsp;<a href=\"https:\/\/www.nu.com\/2026-es\">aqu\u00ed<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Aprende la diferencia entre estafa y fraude, por qu\u00e9 importa para tu dinero y pasos simples para protegerte. Entiende estafa vs fraude hoy.<\/p>\n","protected":false},"author":16,"featured_media":3594,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[67,95],"tags":[],"class_list":["post-3595","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finanzas","category-seguridad"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u00bfQu\u00e9 es una estafa y en qu\u00e9 se diferencia del fraude? - blog.nu.com<\/title>\n<meta name=\"description\" content=\"Aprende la diferencia entre estafa y fraude, por qu\u00e9 importa para tu dinero y pasos simples para protegerte. 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