I sent money to a scammer. What should I do now?

Step by step

1. 1Call your bank's official hotline. Give the time, amount and the receiving account number, and say it is fraud.
2. 2If you shared a password, PIN or OTP, ask the bank to lock your account and cards, then change your passwords.
3. 3If you installed an app the scammer sent, turn on airplane mode and ask the bank or a trusted shop to help remove it.
4. 4Report to the police on 113 or at your local police station. Ask how to file a written report.
5. 5Gather evidence: screenshots of chats and calls, phone numbers, account names, links, and the transaction ID from your bank.
6. 6Warn your family and friends, because scammers often target the same circle again.

Watch out for these follow-up scams

• Someone contacts you saying they are a lawyer, a police officer or a "recovery" service and can return your money for a fee.
• A caller claims to be from your bank and asks for an OTP to "reverse" the transfer.
• You are told to install an app to track the case.
• You are asked to send more money to "unlock" the frozen funds.

Can I get the money back?

It depends on how fast the receiving account is frozen and whether the money is still there. Scammers move money quickly through several accounts, so reporting in the first hour gives you the best chance. Even when the money can't be recovered, your report can help police find the people behind it and warn others.

Look after yourself

Many people feel ashamed after being scammed and keep it secret. These groups are organised, use AI tools and fool doctors, teachers and bankers too. Talking to family helps you act faster, and it protects them from the same trick.

You can also report scam text messages to 5656 and scam calls to 156, which helps networks block them.

Common questions