Lost Money to a Scam?
Your Bank May Owe You Back.
Formal demand to your bank + AFCA complaint. Cites the ePayments Code and Banking Code of Practice. $97.
When You Need This
- You lost money to an investment, romance, phishing, or impersonation scam
- Your bank refused to reimburse you after you reported the scam
- Your bank didn't detect or prevent a suspicious transaction
- You were tricked into transferring money to a scammer
- Your bank took too long to act after you reported the scam
- You reported to the bank but they said it was your fault
- You review it first · Nothing is sent to anyone else
- 2 free amendments included
- Ready in about 5 minutes
- All Australian states and territories
- Stripe secured · 256-bit encrypted
How This Service Works
Everything you need to know before you start.
Not sure if this is the right service for you?
Contact SupportFrom Evidence to Document in 4 Steps
Describe the Scam
Tell us what happened: how you were contacted, what you were told, how the money was transferred, and when you realised it was a scam.
Mention Your Evidence
When you describe what happened, mention what you have: bank statements, scam messages/emails, screenshots of the scam, your bank's response, police report if filed. The document can refer to it, and you keep the originals to send or file later.
Our Programmatic Algorithms Draft Your Demand
Our Programmatic Algorithms prepare a formal demand to your bank citing the ePayments Code and Banking Code of Practice, and the Scams Prevention Framework where it applies.
Send to Your Bank
Send the demand to your bank's complaints department. If they don't reimburse within 30 days, lodge your AFCA complaint.
Ready? Start now.
No card required until the end. No account needed to start.
Start My Scam Recovery Letter →$97 flat fee · You review it first · unlimited edits
What You Get
- Formal demand letter to your bank for reimbursement
- AFCA complaint letter if the bank refuses
- References to the ePayments Code and Banking Code of Practice (and the Scams Prevention Framework once it applies to your bank)
- Argument that the bank failed its duty to detect/prevent the scam
- Formatted as a professional PDF
Everything About Scam Recovery Letter
Can I really get my money back from the bank?
It depends on the facts. The ePayments Code protects you where a payment was not authorised by you (for example, a scammer used your details or remote access), and banks that subscribe to the Banking Code of Practice make commitments about how they respond to scams. The letter sets out why your bank should reimburse you on your facts. If it refuses, you can complain to the Australian Financial Complaints Authority (AFCA), which is free.
What is the Scams Prevention Framework?
A new Australian law, the Scams Prevention Framework Act 2025, that sets obligations for businesses in designated sectors to prevent, detect, disrupt and respond to scams. Banks, telcos and certain digital platforms were designated as the first sectors in May 2026, and most of their obligations apply from 31 March 2027. Your letter cites the Framework only where your payments were made after its obligations applied to your bank; until then, it relies on the ePayments Code and the Banking Code of Practice.
Should I report to police first?
Contact your bank first and ask it to stop or recall the payment, as Scamwatch advises. Then report it at cyber.gov.au (ReportCyber). That creates an official record, and the reference number can go in your bank complaint and any AFCA complaint.
What types of scams does this cover?
Investment scams, romance scams, phishing/SMS scams, bank impersonation, government impersonation, online marketplace scams, cryptocurrency scams, remote access scams — any scam where money was transferred through your bank.
Can I have a Scam Recovery Letter drafted for me instead of writing it myself?
Yes. Claim Done (claimdone.com.au) drafts a Scam Recovery Letter from the answers you give about your situation for a flat $97 AUD. You read and confirm the draft, then the final PDF is emailed to you. Start at claimdone.com.au/begin/?service=scam-recovery. Claim Done is not a law firm and does not give legal advice.
How much does a Scam Recovery Letter cost, and how long does it take?
$97 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 Scam Recovery Letter in Australia?
No. There is no legal requirement to use a solicitor to write or send a Scam Recovery Letter; many people send their own. Claim Done drafts it for you and you approve it before it is sent.
Still have questions? Start anyway — no card required.
You can review everything before you pay. We don't charge until the very last step.
Start My Scam Recovery Letter →Don't Let Them Get Away With It.
A few quick questions about what happened. We create the real protected Scam Recovery Letter for you to read before payment. Pay only when you want to unlock the clean document.
Start My Scam Recovery Letter — $97 →