What’s APP fraud
APP fraud happens when someone tricks you into sending money from your bank account. A common example is a call from someone pretending to be your bank or HMRC, asking you to move money to another account. It can also happen when you pay for something online but never receive it.
If you’re a victim of APP fraud
If the fraud happened after 7 October 2024, you might be able to get your money back. Your bank or payment provider could reimburse you up to £85,000, with a £100 excess. So, if you lost £1,000, you'd get £900 back.
If you think you've been scammed, contact your bank right away and they'll help you with the next steps.
When you might not be reimbursed
Keep in mind that not all payments qualify for reimbursement. You can't claim in the following cases, among others:
• You report the fraud more than 13 months later
• The transaction was illegal
• You paid yourself
• You used cash
• You used a credit card online or in a shop
Other fraud types
Other types of fraud, like identity theft or phone theft, don’t count as APP fraud. You should still report them if they happen to you.