Updated October 2026 · Fraser Bond
Fraud · Banks
Claiming from your bank after fraud
APPreimbursement
£85,000limit
Unauthorisedrefunds
Ombudsmanfree
In short: If someone took money from your account without your permission, your bank should normally refund it promptly, unless it can show you acted fraudulently or with gross negligence. If you were tricked into making the payment yourself (an authorised push payment, or APP, scam), banks and payment firms must reimburse most victims up to £85,000 for Faster Payments and CHAPS made since 7 October 2024; claims should be made within 13 months. If your bank refuses, you can complain to the Financial Ombudsman Service for free.
| Type | Your rights |
|---|---|
| Unauthorised payment | Refund unless fraud or gross negligence |
| APP scam (Faster Payments/CHAPS) | Reimbursement up to £85,000 |
| Card fraud | Refund; chargeback for disputes |
| Wrong payment by you | Bank must help try to recover it |
Your rights
Frequently asked questions
How long do I have to claim?
Report as soon as possible; APP claims generally within 13 months.
Can the bank deduct an excess?
Banks can apply an excess of up to £100 on APP claims, not for vulnerable customers.
Does Fraser Bond handle claims?
No; contact your bank.
Paying a deposit or rent?
Always confirm bank details by phone with a known contact.
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