Authorised Push Payment (APP) fraud is one of the fastest-growing types of scams in the UK. In this type of fraud, victims are tricked into transferring money to a fraudster, believing they’re making a genuine payment.

How Does It Work?

APP fraud usually involves a scammer impersonating a trusted individual or organisation—like a bank, solicitor, or even a family member. They create a sense of urgency, convincing you to act fast without checking the details.

For example:

• A fake solicitor asks for payment for house purchase funds.
• A scammer pretends to be from your bank, warning you of “fraudulent activity” and asking you to transfer money to a “safe account.”

Can You Get Your Money Back?

Yes—many victims of APP fraud can recover their money. Banks now have a duty to consider whether they did enough to protect you from the scam. If they didn’t, they may be required to refund your payment.

At DMJ Legal, we specialise in holding banks accountable and helping victims of APP fraud recover what they’ve lost.