Contact the bank or payment provider at once through its official fraud route. Say that you were deceived into making a transfer, identify every payment and ask for urgent stopping, recall, tracing and reimbursement action. Speed matters, but recovery cannot be guaranteed.

GuidanceAccounts, passwords and stolen login details

If you still control the account, secure it from a trusted device: change compromised sign-in details, remove unfamiliar sessions and recovery details, then enable stronger sign-in protection. If you have lost access, use the provider’s official recovery process at once.

GuidanceWhere do I report a scam text, email, advert or website?

If money, account access or personal safety is at risk, contact the bank, service provider or police first. Then use the route that matches the item: suspicious emails to report@phishing.gov.uk, SMS to 7726, suspicious websites to the NCSC, adverts to the platform and ASA, and fraud or cyber crime to Report Fraud or Police Scotland.

GuidanceScam recovery, reimbursement and compensation

Contact the bank or provider at once, secure affected accounts and devices, preserve records and report the incident. Make a clear complaint if the provider rejects or mishandles the claim—and distrust anyone who promises recovery in return for an upfront fee.