Check if you can get your money back after a scam

Summary

From 7 October 2024 there are new rules for banks and 'payment service providers'. * e-money firms like Revolut - check a list of e-money firms on the Electronic Money Association website Contact your bank or payment provider straight away. Let them know what happened and ask if you can get a refund. It’s important to help them while they look at your claim - make sure you give them any information they ask for. Your bank or payment service provider should usually refund you if you sent the money to a UK account by either Faster Payments or CHAPS. They don't have to refund you if you used another payment method like BACS or Swift, or if you sent the money abroad. If you're not sure what payment method you used, check your statement or ask your bank or service provider. Your bank must refund you up to £85,000. You should usually get your money back within 5 working days - but it might take up to 35 working days. Your bank or payment provider might charge a fee of £100, which they’ll take off your refund. You might not get a refund if your bank or payment service provider can prove you: * weren’t careful enough when you made the payment * didn’t help them or give them information.

Key information

• •e-money firms like Revolut - check a list of e-money firms on the Electronic Money Association website
• •weren’t careful enough when you made the payment
• •didn’t help them or give them information they asked for while they looked at your claim
• •only send money to someone you know
• •choose a password that’s hard to guess and don’t share it with others
• •From 7 October 2024 there are new rules for banks and 'payment service providers'.
• •* e-money firms like Revolut - check a list of e-money firms on the Electronic Money Association website
• •Contact your bank or payment provider straight away. Let them know what happened and ask if you can get a refund. It’s important to help them while they look at your claim - make sure you give them any information they ask for.
• •Your bank or payment service provider should usually refund you if you sent the money to a UK account by either Faster Payments or CHAPS.
• •They don't have to refund you if you used another payment method like BACS or Swift, or if you sent the money abroad.
• •If you're not sure what payment method you used, check your statement or ask your bank or service provider.
• •Your bank must refund you up to £85,000. You should usually get your money back within 5 working days - but it might take up to 35 working days.

Practical guidance

• •Source: [Check if you can get your money back after a scam](https://www.citizensadvice.org.uk/consumer/scams/check-if-you-can-get-your-money-back-after-a-scam/)

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