How to report fraud in the U.K.
Fraud is primarily reported to Action Fraud but if this is an ‘in person’ fraud, please also report to your local police.
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In the UK, we are fortunate that there are some protections in place, when criminals have coerced victims into believing that they are a real person and a money request is sent, either to an individual or organisation. The Contingent Reimbursement Model (CRM), was voluntary but became mandatory in October 2024, under the new PSR regulations.
The CRM Code set out consumer protection standards to reduce Authorised Push Payment scams (APP scams), which occur when customers are coerced into authorising a payment to an account they believed belonged to a legitimate payee.
There were 10 firms signed up to the CRM Code, which covered 21 UK banking brands. These are:
- Barclays Bank UK plc- Barclays
- The Co-Operative Bank Plc- The Co-Operative Bank plc, Britannia and Smile
- HSBC UK- HSBC, First Direct and M&S Bank
- Lloyds Banking Group – Lloyds Bank, Halifax, Bank of Scotland and Intelligent Finance
- Metro Bank
- Nationwide Building Society
- NatWest Bank plc- Royal Bank of Scotland, NatWest Bank and Ulster Bank
- Santander UK- Santander, Cahoot and Cater Allen Limited
- Starling Bank
- Virgin Money UK
Key notes
- Some payments could be covered by the CRM when made on or after 28th May 2019 but before 7th October 2024, if your bank was voluntarily signed up to the code.
- From 7th October 2024, the Payment Systems Regulator’s reimbursement rules came into force. This means that reimbursement of certain payments is now mandatory for all banks.
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