Scammed? Get Reimbursed
Victim of authorised push payment (APP) fraud? If your bank failed to protect you or warn you adequately, you could be entitled to a full refund.
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What is APP fraud?
Authorised Push Payment (APP) fraud occurs when criminals trick you into sending money from your bank account to theirs. Common scams include:
- Investment scams – fake investment opportunities promising high returns
- Romance scams – fraudsters building relationships to request money
- Purchase scams – paying for goods or services that don't exist
- Impersonation scams – criminals pretending to be your bank, police, or official bodies
Your bank may be liable if:
- They failed to provide adequate warnings when you made the transfer
- Their security systems didn't flag suspicious transactions
- They didn't act quickly enough to stop or recover the payment
- The receiving bank didn't verify account details
How Get My Claim helps
We connect you with law firms who specialise in APP fraud claims and understand banking regulations. They know how to hold banks accountable.
Banking law experts
Solicitors who specialise in APP fraud and know banking regulations
Fast action
Quick assessment to pursue your claim while evidence is fresh
No win, no fee
No upfront costs – you only pay if you get your money back
New reimbursement rules
From October 2024, new regulations mean most APP fraud victims should be reimbursed by their bank if they weren't grossly negligent. Banks must:
Reimburse within 5 days
For straightforward cases with no disputes
Prove customer negligence
Banks must show you were grossly negligent to refuse
Split liability fairly
Both sending and receiving banks share responsibility
The claims process
Case review
A banking law specialist reviews the circumstances of the fraud and your bank's response.
Formal complaint
If your bank refused reimbursement unfairly, we submit a detailed complaint on your behalf.
Ombudsman escalation
If needed, we escalate to the Financial Ombudsman Service to secure your refund.
Reimbursement
Once successful, your bank reimburses the fraudulent payment back to your account.
Frequently asked questions
Common questions about bank fraud claims
Will I get all my money back?
Under the new APP fraud regulations from October 2024, most victims should receive full reimbursement unless they were grossly negligent. Banks must prove negligence to refuse reimbursement.
What if my bank refused to reimburse me?
If your bank rejected your claim, you can challenge their decision. Our partner law firms specialise in APP fraud cases and can escalate your complaint to the Financial Ombudsman Service if needed.
Can I claim for fraud that happened before October 2024?
Yes, you can still claim for fraud that occurred before the new regulations. The rules depend on when the fraud happened, but many victims are still entitled to reimbursement under existing regulations.
How long does it take to get reimbursed?
Banks must reimburse straightforward cases within 5 business days under the new rules. Complex cases may take longer, especially if escalated to the Financial Ombudsman Service.
What counts as gross negligence?
Gross negligence is a high bar and typically means ignoring multiple clear warnings from your bank. Simply falling for a sophisticated scam is not considered gross negligence under the regulations.
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