If money has left your account without authorisation — or you were deceived into sending it — contact your bank immediately using the number on your card or official website.
Immediate steps
- Report the transfer to your bank's fraud team
- Change online banking passwords and enable multi-factor authentication
- Record dates, amounts, recipient details and any reference numbers
- Report the incident to the relevant authorities in your country
Keep copies of all correspondence. A clear timeline makes it easier for your bank and authorities to assess the case.
In the following days
- Ask your bank for a reference number for your fraud report and note who you spoke to
- Check your other accounts and cards for unusual activity
- Watch for follow-up calls, messages or emails claiming to be from your bank or the police — contact them only via official numbers
- Consider placing a fraud alert with credit reference agencies where this is available in your country
What to keep for your records
Useful records include bank statements showing the transfer, screenshots of messages with the other party, invoices or payment instructions you received, and any emails confirming changes to account details. Do not delete messages, even if they are distressing — they may be important evidence.
Banks, payment providers and authorities each have their own processes and timescales. Reporting quickly can help, but it does not guarantee that the money can be returned.
Published 2026-10-16 · Vantage Asset Intelligence
Sources and further reading
This article is general educational information and is not legal or financial advice.
Asset tracing and financial investigation services do not guarantee the recovery of lost funds. Outcomes depend on the circumstances of each case and the availability of lawful recovery options.