Updated October 2026 · Fraser Bond
Fraud · Banks
Claiming from your bank after fraud
| 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
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Handy tools
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Tell us your budget and area and hear about homes first.
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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