An authorised push payment (APP) scam happens when a fraudster tricks you into sending them money from your account. While we can't catch every fake payment, we track past fraud patterns to flag warning signs. If you're ever unsure about a transfer, do not send it right now. Message our team through the app for help.
How these scams usually work
Fraudsters are clever, but they usually rely on a few common tricks
With purchase scams, they trick you into paying for items like gig tickets that don't exist.
With investment scams, they will promise incredible returns on fake deals.
Impersonation scams happen when criminals pretend to be trusted organisations, like HMRC or your bank, to steal your money.
How to protect yourself
We have an in-house team who work hard behind the scenes to keep you safe by providing warnings and security features designed to make you stop and pause before sending a payment.
You also have a responsibility to keep your money safe. If a transfer ever feels strange, stop immediately and never let anyone rush you. You can read our guide to protecting yourself from fraud to learn more.
Your rights and industry rules
The Payment Systems Regulator (PSR) introduced industry rules to make sure UK payment firms treat fraud victims consistently. If you fall victim to an eligible scam, these protections are there to help you out. Always report fraud to us the moment you notice it so we can start an investigation and try to get your money back.