Immediate response · Recent transfer
Sent money and now suspect fraud?
Contact the bank, card issuer or payment service you used as soon as you can. Ask for its fraud team and explain what happened, including whether you authorised the payment after being misled.
If a transfer was made in the last few hours, contact your provider now. It may be able to advise on protective steps, but no one can promise a payment will be stopped or returned.
Start here
A clear order of action.
The right steps depend on how you paid and where you are. Your provider can explain what options apply to your payment.
- 01
Call the provider you paid through
Use the number on your card or statement, or type the provider’s official website address yourself. Tell its fraud team you suspect the payment was connected to fraud. Ask whether it can stop, recall, dispute or flag the payment and protect your account. Do not use contact details sent by the person who approached you.
- 02
Contact every service involved
If a card, bank transfer, payment app, money-transfer company or crypto exchange was involved, contact that service as well. If you sent crypto, give the exchange the transaction hash and receiving address if you have them. Do not share a wallet recovery phrase or private key.
- 03
Secure accounts that may be exposed
Tell your provider if you shared a password, card details, one-time code or identity document. Change reused passwords, starting with your email and financial accounts, and turn on multi-factor authentication where available. If someone has remote access to a device, disconnect it and seek trusted technical support.
- 04
Keep the original records
Save messages, emails, website addresses, phone numbers, receipts, account statements, wallet addresses and transaction references. Note dates, times and what each person said. Keep original files where possible; avoid editing screenshots or deleting conversations before you have copies.
- 05
Report through an official route
Report the incident to the appropriate fraud or law-enforcement service where you live. Reporting routes differ by country and, in some places, by region. Use the agency’s official website rather than a link supplied in an unexpected message.
Reporting information
If you are in the UK.
In England, Wales and Northern Ireland, fraud can be reported through the official Report Fraud service. In Scotland, contact Police Scotland on 101. Contact your bank or payment provider separately; a report does not replace contacting the organisation that handled the payment.
If you are elsewhere, use the official reporting service or police contact for your country. FRN’s country reporting directory is planned; this page does not give country-specific advice outside the UK.
Protect yourself from a second loss
Be cautious of unexpected recovery offers.
Someone may contact you claiming they have found your money or can recover it for an advance fee. Do not pay an unexpected release fee, tax or deposit, and do not give them passwords, one-time codes or wallet keys. Verify any organisation using a contact route you find independently.
Learn about recovery scamsTalk to an Expert
Made a recent transfer and want to know what can still be done? Speak with us.
Contact your bank or payment provider first, then share the key details of what happened.
Your request has been received.
Your details have been sent to Fraud Response Network for review.
If you sent money in the last 24 hours, contact your bank or payment provider now using its official contact details.
Immediate steps for a recent transferNo recovery result can be promised. FRN is not a bank, regulator, law firm or police service.