Over 1 in 2 Gen Z are anxious about online privacy and misinformation

• Recent Experian research shows that concern about scams and misinformation among 18–24-year-olds has nearly tripled in the past year¹
• Gen Z are now more anxious about online privacy and misinformation than older generations, who focus more on identity theft and phishing¹
• As students begin university, Experian is sharing practical guidance to help Freshers avoid scams and build strong financial habits

LONDON, 23 September 2025 – Over half (52%) of Gen Z are now anxious about online privacy and misinformation, according to new research from Experian. While often seen as a tech-savvy generation, this growing anxiety is part of a wider trend- concerns about scams in the 18–24-year-old age group has nearly tripled in the past year alone. ¹

The data also reveals that younger people are less familiar with how online scams work compared to older adults, even though they feel just as targeted. ¹ This lack of awareness, combined with limited financial experience, can make it harder to spot risks and manage money confidently, especially during the first few months of university life.

As thousands of students across the UK start university this autumn, they’re facing one of the most financially vulnerable moments in their lives. From fake rental listings and phishing scams to misleading social media ads, Freshers are navigating a digital landscape full of financial risks, often without the tools or experience to manage them confidently.

Jacqui Hamilton, Student Expert at Experian, said: “Starting university is a huge milestone — new friends, new routines, and for many, their first taste of financial independence. But it’s also when students are most vulnerable to scams and financial missteps.

Whether it’s a suspiciously cheap rental listing or a bargain deal on social media, it’s vital to pause and think before handing over money. And it’s not just fraud, getting to grips with money management in general can be daunting, but the good news is there’s plenty of support available.”

To help students stay safe and financially confident Jacqui is sharing her top tips for the start of term:

• Stay scam-aware - Students are often targeted by scammers, especially during Freshers week when sorting accommodation, buying essentials or setting up new accounts. Always double-check websites (look for ‘https’) and avoid deals that seem too good to be true. Trust your instincts, if something feels off, it probably is.
• Report and recover - If you do get caught out by a scam, act fast. Contact your bank straight away and report it to Action Fraud. You should also consider other organisations you may need to contact, such as a credit reference agency like Experian. They can help you rectify any damage to your credit report and, if necessary, help strengthen your security.
• Understand your overdraft - Your student bank account might come with an interest-free overdraft, which could be helpful when you’re in a pinch. But it’s important to remember that it is still borrowed money. It’s easy to dip into it without thinking, especially during Freshers week, but going over your limit could lead to fees and stress later on. Set up mobile alerts and keep an eye on your balance.
• Think carefully before getting a credit card – Some student bank accounts may offer a credit card option. It’s important to understand how credit cards work, including repayment terms and potential intertest charges. If you do decide to get a credit card, where possible aim to pay off the full balance each month to avoid interest and keep borrowing manageable. It’s also worth bearing in mind that credit cards can also offer protection under Section 75 of the Consumer Credit Act. For eligible purchases like holidays and concert tickets over £100, the card provider may share responsibility with the retailer if something goes wrong.
• Get to grips with budgeting - Budgeting isn’t about cutting out fun, it’s about making sure you can afford it. Whether it’s nights out, food shops, or train tickets home, knowing where your money’s going helps you stay in control. A common method and potentially good starting point is the 50/30/20 rule: 50% for essentials, 30% for wants and 20% for savings or paying off debt. Even a simple spreadsheet or notes app can help you stay on track.
• Tap into hardship funds - If money’s tight, don’t struggle in silence. Most universities offer hardship funds, emergency grants or food vouchers to support students. It’s not something to feel embarrassed about, these funds exist to help. Speak to your student support team to find out what’s available and how to apply.

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Notes to Editors

1.  All data is from the Experian UK Fraud and Fincrime Report 2025. The report is based on survey findings taken from over 200 UK businesses and 2,000 consumers. Concern about scams among 18–24-year-old rose from just 5% to 14%

Media contact:

Sinnitta James, PR Executive, Corporate & Business, UK&I, Experian

Tel: +44 7890916745 / Email: Sinnitta.james@Experian.com

Eliza Odire-Boadi, Consumer PR Manager, Experian UK&I     

Tel: 07816192572 / Email: eliza.odire-boadi@experian.com       

About Experian

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