Discovering you’re a victim of fraud is an unpleasant experience. It’s perfectly natural to be angry, but it’s really important to remember that you have the power to help yourself and also help others to avoid becoming a victim. We published this topic to help you understand what you should do if you discover that you’re a victim of fraud.
I have been scammed, what do I do now?
If you have been scammed, the first step is to report it to your bank’s customer support, giving all available details of the scam and the fraudulent transaction. You should also do the same with the police to make them aware of the scam too. In The Netherlands for example you can report these types of incidents online here.
The details that you should share are all the details of the fraudulent payment (sender's name, sender's IBAN, recipient's name, recipient's IBAN, amount, date, etc)
Also include any relevant screenshots or export of the payment confirmation as shown on your bank statements.
Will I be able to get a refund?
Refunds for fraud through your bank or a court decision is possible, but it’s very important that you follow the correct procedures. As stated above, the most important thing to do is report the incident to your bank and the police. Both of these groups can get you a refund through different processes:
The police can start a criminal investigation thanks to the report. The criminal investigation can lead to a trial for the scammer, and a judge can then order that the scammer must repay back the victims.
Your own bank will be able to contact the bank of the scammer via a special channel, to check if it's possible to get the money back.
Reporting the scam is important not only for your own personal case but allowing banks and the police to better identify scams in the future to help others.
Need to report a fraud incident to bunq?
Email firstname.lastname@example.org to report your incident and help us to fight fraud!