Co-operative Bank APP scam transfer: what to do after fraud

If a scammer persuades you to make a The Co-operative Bank bank transfer, speed matters more than proving the whole story in the first phone call. Stop further payments, contact the bank through an independently verified route, preserve the messages and payment references, and make clear that you are reporting an authorised push payment scam rather than simply asking where a transfer has gone.

Stop the scam and report the exact transactions

The first objective is to stop additional loss. End the call or chat, use a different trusted route to reach The Co-operative Bank, and tell the bank whether the payment is pending or already sent. If the scammer has remote access to your phone or computer, disconnect that device from the internet and use another device for banking until it has been secured.

Do not let the scammer keep you on the phone while you contact the bank. Impersonation scams often rely on urgency, fake reference numbers and instructions not to speak to branch staff. A genuine fraud team will not need you to transfer money to make it 'safe'. For The Co-operative Bank, keep the secure-message, app or telephone reference attached to the same event.

A useful report names the payment, not just the scam. Tell The Co-operative Bank the amount, exact time, beneficiary name, sort code/account details if visible, payment reference and why you now believe the recipient was fraudulent. If there were several payments, list them in order so none is missed.

For example, if you sent £1,240 and then £475 after a caller claimed the first transfer failed, report both. A bank attempting recovery needs to know the full sequence quickly; leaving out the second payment because it is embarrassing can reduce the chance of tracing the money.

Preserve evidence and understand reimbursement rules

Save texts, emails, marketplace messages, invoices, social-media profiles, phone numbers and screenshots that show how you were induced to pay. If the scam involved a fake The Co-operative Bank fraud-team call, write down what the caller knew and what they asked you to do. Do not edit screenshots or delete the conversation after reporting it.

Evidence matters because APP fraud is different from an ordinary buyer-seller dispute. A genuine seller delivering poor goods is not automatically an APP scam; a criminal inventing an identity, investment or emergency to induce payment may be. The bank will assess the circumstances, warnings shown and your response to them. If the advice changes, preserve the earlier Co-operative Bank reference rather than restarting the story from memory.

For in-scope UK Faster Payments and CHAPS APP scams, the mandatory reimbursement framework normally expects eligible consumers to receive an outcome quickly. The standard maximum is £85,000 per claim; firms can choose to reimburse more. Most valid claims should be reimbursed within five business days, although a firm can need longer and must generally reach an outcome within 35 business days. If the advice changes, preserve the earlier Co-operative Bank reference rather than restarting the story from memory.

A firm may apply an excess of up to £100 in some cases, but not to vulnerable consumers, and important exclusions apply. Claims can also fail where the facts amount to a civil dispute rather than fraud, or where the claimant acted fraudulently. Report promptly; the framework allows claims to be rejected if made more than 13 months after the final payment in the claim. If the advice changes, preserve the earlier Co-operative Bank reference rather than restarting the story from memory.

Authorised versus unauthorised fraud in a real case

If you pressed the button because a scammer deceived you, tell The Co-operative Bank that clearly: it is an authorised push payment scam. If somebody else accessed the account and sent the transfer without your permission, say that instead. The legal and operational routes differ, even though both are serious fraud reports.

The distinction also affects evidence. For an unauthorised payment the key questions may include device access and authentication. For an APP scam, the focus is the deception, the bank's warnings and the payment trail. Giving the correct description at the start reduces the chance that the case is sent down the wrong workflow. If the advice changes, preserve the earlier Co-operative Bank reference rather than restarting the story from memory.

A caller says there is suspicious activity and tells you to move £1,240 from your The Co-operative Bank account to a 'secure' account. You approve the transfer because the caller knows your postcode and recent merchant names. Twenty minutes later you call The Co-operative Bank using the number in the app and learn that no genuine investigator asked you to move money.

The useful report is concise: payment time and amount, destination details, caller number, the exact reason you believed the call, any warnings displayed during payment and the moment you discovered the deception. Ask the bank to attempt recovery and register the APP scam claim; then save the claim or complaint reference. For The Co-operative Bank, keep the secure-message, app or telephone reference attached to the same event.

Escalation, security cleanup and final checks

If The Co-operative Bank rejects or only partly reimburses the claim, ask for the written reason and the evidence relied on. Compare it with the warnings you actually saw, any vulnerability you disclosed and the chronology you provided. A complaint is stronger when it challenges a specific factual or rule-based conclusion rather than simply repeating that the loss is devastating.

Fraud and payment-service complaints generally have a 15-business-day response period, subject to limited extensions in some circumstances. If the final response remains unsatisfactory, the Financial Ombudsman Service can review the case; keep the bank's final response and the original scam evidence together.

Change compromised passwords, remove unknown devices, secure your email account and mobile number, and review card and transfer activity for smaller test transactions. If remote-access software was installed, do not assume deleting the icon removes the risk; follow trusted device-security guidance before using that device for The Co-operative Bank banking again.

The Co-operative Bank combines mobile and online banking with branch and telephone support, so customers can preserve a digital record while still escalating urgent security problems by phone. Once the claim is logged, keep future communication inside official channels and treat any unexpected caller who claims they can accelerate reimbursement for a fee as a second potential scam.

• Stop all contact with the scammer
• Report the exact payment immediately
• Preserve messages, calls and beneficiary details
• Do not make a second payment or safe-account transfer
• Secure email, phone and banking credentials
• Keep the reimbursement and complaint references together

Sources and verification

• The Co-operative Bank - official website
• The Co-operative Bank - official scam guidance
• Payment Systems Regulator - APP fraud reimbursement protections
• Financial Ombudsman Service - complaint time limits

The Co-operative Bank: APP-scam guidance reflects the UK mandatory reimbursement framework for eligible Faster Payments and CHAPS claims. Individual decisions depend on the payment type, facts and applicable exclusions.