Authorised Push Payment (APP) Fraud

What is APP fraud?

APP fraud is when you’re tricked into sending money to someone who isn’t who they say they are. They often pretend to be a family member or your bank/building society and tell you the payment needs to be made quickly, to try and panic you into paying. You could be contacted by telephone, text message, by email or through social media.

Following new rules introduced by the Payment Systems Regulator on 7 October 2024, if you've been a victim of APP fraud, you can claim the money back you've lost.

What you need to know about the rules

Here are the key points:

The rules cover money sent on or after 7 October 2024, through Faster Payments or CHAPS (the systems most UK banks and building societies use to send money quickly).
You must tell us you've been scammed no more than 13 months after the last payment was made.
You can get up to £85,000 back per scam.
You can get your money back within five working days, but sometimes it can take up to 35 days.

How to report APP fraud

Call us straight away on:

0121 500 7444

You can call this number any time. Just leave a message and we'll get back to you as quickly as we can.

We'll need to know:

Details of the account you sent the money to.
Details of all the money you sent to the scammer.
How you were contacted by the scammer.
If you’ve reported it to the police and if so, the crime reference number you’ve been given.

When you might not get your money back

You may not get your money back if:

You sent the money before 7 October 2024 or the last payment was made more than 13 months ago.
The money went to an account outside the UK.
The money went to an account you have control of.
You paid by cheque or in cash.
You acted fraudulently or were knowingly involved in the scam.