Most APP-scam decisions can be challenged — and many countries now mandate reimbursement.
What to do
- UK: PSR mandatory reimbursement (Oct 2024) — submit a claim in writing to your bank
- AU: ask about the Scam-Safe Accord; if refused, escalate to AFCA
- US: dispute under Reg E for any unauthorised portion; check Zelle/PayPal protections
- If refused, escalate: UK → Financial Ombudsman; AU → AFCA; US → CFPB
- Always reference whether the bank met its Confirmation of Payee / warning obligations before letting the payment through
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Written by
Jordan DicksonFounder, CyberSecurityGuides
Founder of CyberSecurityGuides, writing practical, jargon-free guides that help everyday people recover from and protect against online attacks.
Reviewed by CSG Security Engineers