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"Scammers create very believable profiles, including stealing the identities of real, trusted people.
"If you meet someone who seems too good to be true, do some research to see if they're the real deal," Ms Rickard said.
Valentine's Day symbols that are used today include the heart-shaped outline, doves, and the figure of the winged Cupid.
Since the 19th century, handwritten valentines have given way to mass-produced greeting cards.
Love may be in the air this week, but St Valentine's Day is also peak time for scamming lonely hearts for money, an Australian government body has warned.