More than 200 Kiwis have been caught out by romance scams this year, costing them $7.9 million.

That's just for the first three months of 2018 alone, according to the latest quarterly report from Netsafe, and is six times more than for the whole of last year.

Among those conned was a man in his 40s who sent $200,000 to someone he met on a dating site while a woman in her 50s lost $15,000 and was unwittingly used as a "mule" by receiving funds from another person caught up in the same scam.

Netsafe's director of technology and partnerships, Sean Lyons, said that while it was difficult to pinpoint the exact reason for the increase, it was likely because there has been an increase in scam attempts.

He said the romance scams today were a lot more sophisticated than they used to be, making them increasingly harder to spot.

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"It's a lot more sophisticated. There often a lot more evolved, they [scammers] do a lot more to convince people that they are legitimate," he said.

Romance scammers were also prepared to play the long game until their victims fell in love and had no reason to believe they were being conned.

"It's sometimes years with no real attempt to defraud them, and then suddenly when somebody brings up money after that length of time, you think 'there's no way this is a scam'," Lyons said.

"When they [scammers] do finally go for what they're looking for it seems legitimate, and anyway, you're head over heels by that stage and the last thing in the world you want to do is think they're [the scammers] out to get you."

The Commission for Financial Capability's manager of fraud education, Bronwyn Groot, deals with such cases and told the Herald the new figures weren't surprising.

"We need to remember that most of those funds will have gone offshore, possibly to fund organised crime such as drugs and human trafficking," she said.

"Not only do the victims lose financially and emotionally, but all New Zealanders are affected by so much money being lost to our economy."

Here are a handful of recent cases the Commission for Financial Capability has dealt with:

• A woman in her 60s was contacted through Instagram by a man who complimented her appearance. It went from there, and over two months she lost $72k. She was left feeling embarrassed, isolated from her family and heavily in debt.

• A man in his 40s met someone on a dating website, losing $200k over six months. It was a blow to his confidence, life savings and left him feeling deeply embarrassed.

• A woman in her 50s met someone on a dating website and over six months, lost $15k. She was used as a mule, where she received funds she thought were from her "boyfriend" but which were actually from another woman caught up in the same scam. Two years later, every time she makes a payment the scam is thrown in her face. She felt ashamed and lost her confidence as a result.

• A man in his 80s also met someone on a dating website, losing $40k over five months. He told the Commission that despite it not being a real person, it filled his "void of loneliness".