UK rules now give most victims of bank-transfer scams the right to reimbursement. Acting quickly still matters.
In the first hour
- Call 159 — the Stop Scams UK number connects you securely to your bank. Or call the number on your card.
- Tell the bank it’s a scam and ask them to stop the payment and contact the receiving bank.
- Forward scam texts to 7726 (free) so networks can block them.
- Change passwords for email and online banking.
Report it
- England, Wales and Northern Ireland: report to Action Fraud online or on 0300 123 2040.
- Scotland: call Police Scotland on 101.
- Scam adverts: report them on the platform and to the Advertising Standards Authority.
Getting your money back
If you were tricked into sending a Faster Payment or CHAPS transfer, your bank must usually reimburse you up to £85,000 unless you were grossly negligent. Claim within 13 months of the last payment. If the bank refuses or doesn’t respond within the deadline, complain to the Financial Ombudsman Service — it’s free.
Protect yourself next
- Register with Cifas Protective Registration if your identity was stolen.
- Check your credit file with Experian, Equifax and TransUnion.
- Be wary of anyone who contacts you offering to recover your money.
Get support
Victim Support offers free, confidential help on 08 08 16 89 111.
This guide is general information, not legal advice. Services and numbers can change — check the official website.