More protection for money transfer scam victims from May
Major banks, including Barclays, HSBC, Lloyds Banking Group and the Royal Bank of Scotland, have signed up to a voluntary code of practice for authorised push payment (APP) scams, which states that victims should be reimbursed unless a customer ignored their bank’s warnings about the scam, or has been grossly negligent in transferring the money.
The banks will usually have to decide whether or not to refund a victim within 15 working days of the scam being reported, up to a maximum of 35 working days “in exceptional cases”, and then make the refund as soon as possible.
Under current rules, when payments are fraudulently made without customers’ authorisation, banks are generally obliged to give a refund. But when someone has been tricked into making a payment themselves, in what’s known as an ‘authorised push payment’ (APP) scam, banks aren’t obliged to give a refund.
The new voluntary code takes effect from 28 May.
For help on how to protect yourself from fraud, see our 30+ Ways to Stop Scams guide.
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