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Your rights to a refund
If you were tricked into sending money to a scammer, UK rules may entitle you to a refund from your bank. What you can claim depends on when you paid and how you paid.
Which rules cover your payment?
Two sets of UK rules require banks to reimburse victims of authorised push payment (APP) fraud. Which one applies to you comes down to when you made the payment.
On or after 7 October 2024
PSR's Mandatory Reimbursement
UK bank transfers are covered for up to £85,000 per claim, across every UK payment provider. You need to report the fraud within 13 months, and banks can only decline for narrow reasons, which can be challenged.
28 May 2019 to 6 October 2024
The CRM Code
A voluntary code signed by most major UK banks. If your bank signed it, the starting point is that a fraud victim should be reimbursed in full, though exclusions apply and are not always applied fairly.
Outside these rules
International, crypto and older payments
Not covered by either set of rules, but you may still have a case if your bank should have spotted unusual activity and stepped in. These claims can be harder to win, and specialist experience counts.
Understand the rules in detail
When the bank says no
Banks decline claims they should pay. A fraud gets called a civil matter, a generic pop-up gets called a warning, or a convincing scam gets judged with hindsight. None of those reasons is the final word. Decisions can be challenged and escalated to the Financial Ombudsman Service, and we know where they most often go wrong.
Frequently asked questions
What do I need to do if I’ve been scammed?
Can I get my money back if I was scammed?
What is the process of claiming my scammed money back?
My bank has rejected my case — what do I do?
Can Refundee help me recover my money from my bank?