Report & Claim APP fraud

APP Scams: Reimbursement Rules

Claim submission to AB PLUS

Important information about your protection against

Authorised Push Payment scams

From 7th October 2024, if you make a payment in the UK using the Faster Payment Scheme (FPS) or the Clearing House Automated Payment System (CHAPS), you may be eligible for a refund if you become a victim of Authorised Push Payment (APP) fraud.

This change covers these payments when they are made by consumers, but also covers

micro-enterprises and certain charities.* Your terms and conditions will also be updated by 9th April 2025 to include the details of how you’re protected.

Next Steps

You do not need to take any action as a result of this change. The new rules will come into effect automatically from 7th October 2024.

What is APP fraud?

Authorised push payment fraud happens when you are tricked by a criminal into sending money to an account that they control and which you do not.

Making Claims

To make a successful claim, you must report the fraud as soon as possible and provide all the information we need to complete our investigation. We may ask you to report the fraud to the police or do that on your behalf.

Each claim is reviewed on a case-by-case basis, and not all claims may be refunded. For

example, if we can see there has been gross negligence by the account holder. This could include ignoring direct warnings before making a payment.

Lastly, the maximum amount of money you can claim under the rules is £85,000, a limit

which has been set by the Payment Systems Regulator (PSR).

More Information

If you want to find out more about APP fraud, you can go to this page here on the Take

Five website which explains the rules in more detail and provides helpful guidance on how to protect yourself from these scams.

microenterprises are defined as enterprises that employs fewer than ten persons and have either an annual turnover or annual balance sheet total that does not exceed €2 million, charities are defined as a body whose annual income is less than £1 million per year and is a charity as defined by the Charities Act 2011, Charities and Trustees Investment (Scotland) Act 2005 or the Charities Act (Northern Ireland) 2008.



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