Scam: do banks have to reimburse the victims?

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On the phone, by email or even by SMS… Scams are everywhere today. You have to be constantly on the lookout so as not to fall into the traps of scammers. Despite all the caution in the world, it can still happen to be robbed by an ill-intentioned person.

When this happens, between the feeling of weakness and the fear of having lost a large sum of money, it is easy to find yourself disconcerted and not knowing what to do. The first thing you usually think of doing is contacting your bank. This is the right reflex, but is she obliged to reimburse the amount of the damage?

First of all, it is important to know that credit card fraud must be reported to the bank within 13 months of the date of the debit. Note that this period is reduced to 70 days if the establishment of the beneficiary of the payment is located outside the European Union or the European Economic Area.

Once the report is made, the law obliges the bank to reimburse the victim of the scam immediately.

Thus, no insurance is necessary to be able to benefit from this reimbursement. However, in some cases the bank may refuse to refund the full amount due. The victim will then have to bear part of the costs up to a maximum of 50 euros.