If you’ve lost money to a bank transfer scam, you could be entitled to reimbursement under UK APP fraud protection rules.
Recover your losses
Overview
Being tricked out of your hard-earned money can be devastating. The financial loss is one thing. The stress, frustration and sense of betrayal are often just as difficult to deal with.
If you’ve lost money to a scam, you are not alone. Authorised Push Payment (APP) fraud – where a fraudster tricks you into transferring money directly from your bank account – is one of the fastest-growing financial crimes in the UK, affecting hundreds of thousands of people every year.
Whether it was an investment opportunity that never existed, a romance scam, an impersonation fraud or a purchase that never arrived, the result is often the same: you’ve been left out of pocket and searching for answers.
The good news is that UK APP fraud reimbursement rules mean banks are expected to refund victims in many circumstances. You can complain directly to your bank for free, but navigating the process can be confusing and time-consuming.
That’s where we can help.
We work with specialist, SRA-regulated solicitors who understand APP fraud claims and can guide you through the process. Where eligible, we connect you with a solicitor who can act on your behalf. They can help prepare your complaint, challenge a bank’s decision and, if necessary, take your case to the Financial Ombudsman Service.
If you’ve lost money to a scam after making a bank transfer, check your eligibility today.
At a glance – APP fraud & scams
Why use Join the Claim?
We understand how distressing it is to lose money to a scam. That’s why we’ve built a straightforward process that takes the stress out of pursuing a claim.
We assess your situation, gather the key details, and if eligible, connect you with a specialist SRA-regulated law firm that will handle your case with sensitivity and expertise. Your solicitor will explain their fees and terms before you agree to anything — so you’re always in control.
There is no cost to you for using Join the Claim. We receive a fee from the solicitor we introduce you to, not from you.
Can you make an APP fraud claim?
If you’ve lost money to Authorised Push Payment (APP) fraud, you may be able to recover it:
We’ll help assess your circumstances and, where appropriate, connect you with a specialist solicitor who can advise on your options. If you prefer, you can also pursue a claim yourself by complaining directly to your bank at no cost.
How it works
Answer a few quick questions to see if you could qualify to join the claim. It only takes a few minutes and helps confirm if you may be eligible.
We’ll show you which regulated UK law firm will handle your claim before any details are shared, so you can review their information and decide if you’d like to continue.
If you choose to proceed, you’ll complete your registration with the law firm. They’ll handle your claim on a no-win, no-fee basis and keep you updated every step of the way.*
Fraudsters often pose as financial advisers or use convincing websites to sell fake investment opportunities. Victims are persuaded to transfer large sums, only to discover the money has disappeared.
These scams involve paying for goods or services that never arrive, or aren’t what was promised. They’re common on online marketplaces and social media, as well as among rogue traders.
Criminals create fake relationships online, building trust before asking for money. Victims can feel ashamed, but you are not alone. These scams are increasingly common.
Fraudsters lure victims with fake job offers, remote working roles, or “easy money” tasks.
Scammers pose as trusted organisations — such as banks, HMRC, the police, or even family members — and pressure victims into making urgent transfers.
Crypto scams The rise of cryptocurrency has brought new opportunities for fraud. If you transferred money from a UK bank to buy crypto and were scammed, we can help.
These scams promise large rewards — such as a loan, prize, or inheritance — but require an upfront “fee” to release the funds. Once paid, the fraudster disappears.
Criminals pose as suppliers, tricking victims into transferring payments to the wrong account. Businesses and individuals alike are targeted.
APP fraud is constantly evolving. If you’ve lost money to a scammer and transferred the funds via a UK bank, there may be a way to claim compensation.
Lost money to a scam?
Check your eligibility today and we’ll assess your circumstances and connect you with a specialist solicitor if we think they may be able to help.
Authorised Push Payment (APP) fraud happens when a scammer tricks you into sending money from your bank account to theirs. Common examples include investment scams, impersonation scams, romance scams and purchase scams.
In many cases, yes. Since October 2024, new reimbursement rules have required most UK banks and payment providers to reimburse eligible victims of APP fraud.
The rules require most UK banks and payment providers to reimburse eligible victims of APP fraud. They include protections such as reimbursement of up to £85,000 per scam, a 13-month time limit to make a claim and additional safeguards for vulnerable customers.
No. You can complain directly to your bank free of charge. If you are unhappy with the outcome, you can also take your complaint to the Financial Ombudsman Service at no cost.
APP fraud can include investment scams, purchase scams, impersonation fraud, romance scams and other situations where you were tricked into making a bank transfer to a fraudster.
Individuals, eligible charities and micro businesses may be able to claim reimbursement, depending on the circumstances of the scam.
In most cases, you have up to 13 months from the date of the last fraudulent payment to seek reimbursement.
A rejected claim does not necessarily mean the matter is closed.
Banks can make mistakes, and some APP fraud claims are successfully challenged after an initial refusal. Depending on the circumstances, you may be able to ask the bank to review its decision or escalate your complaint to the Financial Ombudsman Service.
We can assess your situation and, where appropriate, connect you with a specialist solicitor who can advise on your options.
A no-win, no-fee agreement means you don’t pay your solicitor’s legal fees if your claim is unsuccessful. This makes it easier and more affordable to take part in group litigation. However, T&Cs apply. Want the full picture, including what to check before signing? Read our complete guide to no win, no fee agreements here.
No, we’re not a law firm. We help individuals find and join consumer claims being run by our partner UK law firms. There is no charge to use our service.
We connect consumers with their legal dream teams to ensure they get the compensation and support they deserve.
Join the Claim is not a law firm. We connect individuals with top law firms for group action claims, and our service is free to use. While we may receive a fee from the law firms we introduce you to, this will not affect your costs or compensation. We are not responsible for the advice or services provided by these firms. Please note, nothing on this website is legal advice, and while we check claim eligibility, we cannot guarantee a law firm will accept a case.
Join the Claim is a registered trading name of Join the Claim Limited. Join the Claim Limited is registered in the United Kingdom under licence number 16245278 with its registered office located at 32 Eyre Street, Sheffield, England, S1 4QZ. Join the Claim Limited is authorised and regulated by the Financial Conduct Authority in respect of regulated claims management activities FRN:TBC
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