As controls to prevent authorised push payment (APP) scams improve,
criminals are changing tactics and increasingly tricking people into
approving card payments instead. This leaves victims without the refund
protections they expect.
The fraudsters might use similar tactics to APP fraud,
such as posing as your bank to steal security codes, but getting your
money back from your bank is much harder.
Find out how to protect yourself from this latest evolution.
Source: Which? (11 Aug 2026)