Is Authorised Push Payment fraud the same as a scam?

APP fraud is a specific category of scam — one where you're deceived into authorising a bank transfer yourself, as opposed to a fraudster using your card details or account without your knowledge. It's the term used by regulators and banks, but describes the same experience most people would simply call being scammed.

What is the maximum I can get back under the PSR scheme?

The Payment Systems Regulator's mandatory reimbursement scheme caps claims at £85,000. This has applied since the scheme came into force on 7 October 2024. Losses above the cap fall outside the mandatory scheme, though other avenues may still be worth exploring.

How long do I have to report APP fraud to get reimbursed?

You should report to your bank as soon as you realise you've been scammed. If your bank refuses and you want to escalate, you generally have 6 months from the date of the bank's final decision to bring your case to the Financial Ombudsman Service.

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What Is Authorised Push Payment Fraud, and How Do You Get Your Money Back?

Authorised Push Payment (APP) fraud explained: what it covers, the PSR reimbursement scheme, the £85,000 cap, and how to escalate if your…