What is APP fraud and can you get your money back?

APP fraud is when a victim is deceived into authorising a bank transfer to a fraudster. From October 2024, UK banks must reimburse APP fraud victims up to £85,000 within 5 business days under PSR mandatory rules. Source: PSR APP Fraud Reimbursement Rules October 2024.

APP Fraud & Scams

APP Fraud Compensation — Were You Tricked Into Transferring Money to a Fraudster?

Since 7 October 2024, UK banks must reimburse most APP fraud victims up to £85,000 within 5 days. If yours refused, we can challenge that.

Check My Claim — Free Do I Qualify?

£85,000

PSR mandatory reimbursement cap per claim

5 days

Deadline for bank to reimburse

13 months

Window to report to your bank

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Do I Have a Claim?

Signs You Are Entitled to an APP Fraud Refund

You may have a strong case if any of the following apply:

You were tricked into transferring money from your bank account to a fraudster
You reported the fraud to your bank but were refused a refund
The fraud occurred after 7 October 2024 (mandatory reimbursement applies)
For pre-October 2024 fraud: your bank failed to apply adequate fraud warnings or Confirmation of Payee checks
Your bank failed to flag an unusual or high-risk transaction
You lost money in a romance scam, investment scam, purchase scam, or impersonation scam
You reported the fraud to your bank within 13 months
You used a UK-regulated bank or payment provider

What Happened

Authorised Push Payment (APP) fraud occurs when you are deceived into authorising a bank transfer to a fraudster. Unlike card fraud, you initiate the payment yourself — which is why banks historically refused to refund victims. Common APP scams include impersonation of HMRC, police or your bank; investment scams where fraudsters promise high returns; romance scams; purchase scams; and 'safe account' scams where fraudsters convince you to move money. From 7 October 2024, the Payment Systems Regulator (PSR) introduced mandatory APP fraud reimbursement rules requiring banks and payment firms to reimburse victims up to £85,000 per claim, within 5 business days of a claim, unless the victim acted with gross negligence or deliberately. Both the sending and receiving bank share responsibility for the refund.

Why You May Be Owed Compensation

If you were not 'grossly negligent', you are entitled to full reimbursement up to £85,000 per claim under the PSR's October 2024 mandatory reimbursement rules. Where banks have refused or under-paid, the Financial Ombudsman Service routinely overturns those decisions. Pre-October 2024 claims are still recoverable under the Contingent Reimbursement Model and FCA duty-of-care principles, particularly where the bank failed Confirmation of Payee or high-risk transaction checks.

Who Is Liable?

Depending on your situation, you may have a claim against:

Sending bank — Your bank — 50% liable for reimbursement under the PSR rules, regardless of scam type.
Receiving bank — The bank that received the fraudulent payment — also 50% liable under PSR mandatory reimbursement.
Financial Ombudsman Service — Free escalation route where the bank refuses or alleges 'gross negligence' — overturns the majority of such refusals.

How to Claim

1. Free Claim Check

Tell us about your investment in 60 seconds. We confirm if you have a claim.

2. We Investigate

We gather the evidence, file with the FOS, FSCS or adviser. No paperwork for you.

3. You Get Paid

Compensation paid directly. No Win, No Fee — we only charge if you win.

APP Fraud & Scams – Frequently Asked Questions

What counts as APP fraud?

Any scam where you were tricked into transferring money — investment scams, romance scams, purchase scams, 'safe account' scams, or impersonation of HMRC, banks or police.

What if my fraud happened before October 2024?

Older Contingent Reimbursement Model rules and FCA duty-of-care principles apply. We still recover funds in most cases via the bank or FOS.

My bank said I was 'grossly negligent' — is that final?

No. The bar for gross negligence is very high. FOS overturns the majority of such refusals.

How long does an APP claim take?

Bank review 5 business days under the PSR rules; FOS escalation typically 3–6 months.

Can I claim from the receiving bank?

Yes — the new rules split liability 50/50 between sending and receiving banks.

Is there a No Win No Fee option?

Yes — we operate APP fraud claims on a No Win No Fee basis.

Further reading. Read our in-depth APP Fraud Reimbursement Rules Explained. See also our full guides on time limits for mis-selling claims, how compensation is calculated, and what evidence helps your claim. Not sure which route applies? Compare the FSCS and the Financial Ombudsman, estimate your compensation, or read how No Win No Fee works.

Explore the Knowledge Hub

This claim sits inside the following knowledge centres — see every related topic, regulator source and in-depth guide.

Fraud & Scams Knowledge Centre

Not sure whether you are still in time? Check if you can still claim — the 6-year limit is not always the end of it.

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Local specialists near you

APP fraud reimbursement claims under the PSR mandatory rules, handled remotely for clients across the UK.

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Greater London

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Greater Manchester & the North West