Refund scam
Quick answer
A scammer claims you are owed a refund to gain access to your device or bank and then steal money.
- Hang up and check directly with your bank and the real company.
What it is
A scammer claims you are owed a refund to gain access to your device or bank and then steal money.
How it works
You are told a refund was sent 'by mistake' for too much, then pressured to repay the difference, often after granting remote access.
Red flags to watch for
- An unexpected refund offer
- A claim you were overpaid
- Requests for remote access
- Pressure to repay quickly
Example
A caller says they refunded you too much and asks you to send the difference back. This is risky because the overpayment is faked to make you hand over real money.
What not to do
- Do not grant remote access
- Do not repay 'overpayments'
The safe next step
Hang up and check directly with your bank and the real company.
Often seen on: Phone call, Email.
Commonly targets: Older adults, Anyone.
How to verify safely
- Do not use links, phone numbers, QR codes, or email addresses from the suspicious message.
- Open the official app or website yourself - type the address manually.
- Call a contact you have saved, or the number printed on your bank card.
- If you are threatened or in immediate danger, contact local emergency services or police.
How to report it
Report to your bank and national fraud authority.
Find official links for your country in the scam reporting directory.
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Frequently asked questions
What is a refund scam?
A scammer claims you are owed a refund to gain access to your device or bank and then steal money.
How can I avoid a refund scam?
Hang up and check directly with your bank and the real company.
What should I do if I have already been affected?
Contact your bank or the relevant provider through official channels, change any exposed passwords from a trusted device, and save evidence. See our recovery guides, and be wary of recovery scams that promise to get your money back for a fee.