If you have just lost money or crypto to a fake investment or trading platform, the first hours
matter most. Call your bank’s official fraud line now and ask it to try to recall the payment and have the receiving
account frozen. Then report the scam and secure your accounts. Recovering scammed funds is often difficult and no one
can promise it, but acting fast gives the best chance.
What to do
- Call your bank’s official fraud line now. Use the number on the back of your card or on your
statement — never a number from a text, email or website a scammer sent you. Ask them to attempt an urgent recall of
the payment, to contact the receiving bank to freeze or return any funds still there, and to give you a reference
number. - Put it to your bank in writing. A written scam report follows up the call and locks in your
transaction details and the date you raised it. If a scammer accessed your account, obtained your codes or used
remote access, that is an unauthorised transaction and your bank should investigate it under the ePayments Code — a
voluntary code administered by ASIC that most banks subscribe to. If you made the payment yourself after being
tricked, there is no automatic refund; instead you can ask the bank to review whether it met its scam-detection and
warning obligations. If you paid by card, also ask for a chargeback. - Report it to Scamwatch. Report the scam to the National Anti-Scam Centre at scamwatch.gov.au.
This helps authorities disrupt the scam even if your own money cannot be traced. - Report the cybercrime to ReportCyber at cyber.gov.au, or call 1300 CYBER1 (1300 292 371).
ReportCyber refers reports to police. - Get free support from IDCARE, Australia’s free identity and cyber support service, especially
if any of your logins, identity details or devices were exposed. - Report a crypto or investment scam to ASIC, and if you used a crypto exchange, contact it
straight away and ask it to freeze or trace the transfer and preserve records. - If your bank does not resolve it, escalate to AFCA (the Australian Financial Complaints
Authority), the free external dispute resolution scheme for banking complaints. From 12 March 2026 AFCA can also
examine the receiving bank and the ‘mule’ account the money was sent to, even if you are not a customer of that bank.
Warning — money-recovery scams. After a scam you may be contacted by someone claiming they can
get your money or crypto back, sometimes pretending to be from the police, a government agency, a law firm or a ‘fund
recovery’ service. People who have already been scammed are deliberately targeted this way. This is almost always a
second scam. Never pay an upfront fee, hand over more crypto, give remote access, or share codes or logins with anyone
who contacts you promising to recover your money. Legitimate agencies will not ask you to pay to get your money back.
Do it yourself, or have it drafted
You can write to your bank and work through these steps yourself for free. If you would rather have it done
properly and fast, Claim Done drafts two documents for a flat $49: a formal scam report to your bank
asking for an urgent recall and a freeze on the funds, and a plain-English step-by-step action guide. We cannot
guarantee recovery, and we take no percentage of anything you recover — only the flat fee.
Start your scam action pack.
Ready to put it in writing?
Answer 3 quick questions to check you have the details your document needs, and see your next step.
1. Who is this about?
2. How much is at stake?
3. Do you have it in writing?
Your result is ready. Want a copy by email? (optional)
Frequently asked questions
Can I get my money back?
Honestly, maybe — but no one can promise it, and recovering scammed money or crypto is often difficult. The best
chance comes from acting fast: the sooner your bank tries to recall the payment and freeze the receiving account, the
more likely any funds still sitting there can be stopped.
What should I do first?
Call your bank’s official fraud line now, using the number on the back of your card or on your statement, never a
number from a text or email. Ask them to attempt an urgent recall, to freeze the receiving account, and to give you a
reference number.
I authorised the payment myself — does that change things?
Yes. Many scam victims were tricked into paying, so there is no automatic refund. Rather than claiming one, you can
ask your bank to review whether it met its obligations to detect the scam, warn you and make inquiries about a
suspicious payment, and to explain what checks it applied. If the bank does not resolve it, you can take the complaint
to AFCA for free.
Where do I report the scam?
Your bank’s fraud line first; the National Anti-Scam Centre at scamwatch.gov.au; ReportCyber (cyber.gov.au,
1300 CYBER1 / 1300 292 371), which goes to police; IDCARE for free support; and ASIC for crypto, financial and
investment scams. If your bank does not fix it, escalate to AFCA for free.
Someone contacted me offering to recover my crypto — is that real?
Treat it as a second scam. People who have already been scammed are deliberately targeted by ‘recovery’ services
that ask for an upfront fee, more crypto or account access. Never pay them. Legitimate agencies do not charge you to
get your money back.
Do you take a percentage of what I recover?
No. Claim Done charges a flat $49 for preparing the documents and takes no percentage of anything you recover —
ever. Anyone who asks for a cut of your recovered money, or an upfront fee to get it back, is running a recovery scam.
What happens when you put it in writing — properly
Same problem. What a prepared case looks like.
Getting it drafted
Can I have a Scammed? Bank Scam Report + Step-by-Step Action Guide drafted for me instead of writing it myself?
Yes. Claim Done (claimdone.com.au) drafts a Scammed? Bank Scam Report + Step-by-Step Action Guide from the answers you give about your situation for a flat $49 AUD. You read and confirm the draft, then the final PDF is emailed to you. Start at claimdone.com.au/begin/?service=crypto-scam-recovery. Claim Done is not a law firm and does not give legal advice.
How much does a Scammed? Bank Scam Report + Step-by-Step Action Guide cost, and how long does it take?
$49 AUD flat, shown before you pay, with no subscription. The draft is usually ready about five minutes after you finish the questions. It covers every Australian state and territory.
Do I need a lawyer to send a Scammed? Bank Scam Report + Step-by-Step Action Guide in Australia?
No. There is no legal requirement to use a solicitor to write or send a Scammed? Bank Scam Report + Step-by-Step Action Guide; many people send their own. Claim Done drafts it for you and you approve it before it is sent.