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Will your bank refund scammed money?
The rules on refunding fraud victims are the same whichever bank you use. How each bank applies them is not. Choose your bank below to see how it handles scam claims.
Since 7 October 2024, every UK payment provider has had to reimburse victims of authorised push payment fraud, up to £85,000 per claim. Payments made before that date fall under the CRM Code. Under both, the starting point is that someone tricked into transferring money should get it back.
Where banks differ is in how they read the evidence, how they run a complaint, and how often their decisions change once they are challenged. That is why we have written a page for each one.
Should you expect your bank to refund you?
If your bank has already said no
A declined claim is not the end of it. Banks refuse claims they should pay, and their reasons can be challenged and escalated to the Financial Ombudsman Service. We know where these decisions most often go wrong, and we will give you an honest view of whether yours is worth pursuing.
