Unauthorised card charges and bank phishing

Here the money leaves a bank account, not a platform. It matters a great deal whether the payment was ordered by the deceived account holder or made without their involvement: the route for the claim is not the same.

What we usually find

• Repeated small charges, often from foreign merchants.
• Messages impersonating the bank that land in the same SMS thread as the genuine ones.
• Calls asking you to move the money "to a safe account".
• SIM swaps used to receive the verification codes.

Documents needed

• The statement with the disputed movements marked.
• The messages or emails received, undeleted.
• The bank's reply to your first complaint, if you already filed one.

What can be done with them

We prepare the claim to the bank and, where appropriate, to the regulator's complaints service. Deadlines here are short: the sooner it is documented, the better.