First Steps

What to Do Immediately After Losing Money to a Scam

The first hours matter. A calm, practical checklist for protecting yourself and preserving evidence.

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Act quickly, but calmly

If you have just realised you have been scammed, the most important thing is to act quickly without panicking.

1. Contact your bank or payment provider

Call the number on the back of your card or on the official website. Ask them to stop or recall pending payments and to flag the transaction as fraud.

2. Stop all further payments

Do not send more money — even if you are told it is a "release fee", tax or verification charge.

3. Secure your accounts

Change passwords, enable two-factor authentication and check for unknown devices.

4. Preserve evidence

Keep screenshots, emails, transaction IDs, wallet addresses, website links and usernames.

5. Report it

Report to local police and the relevant financial regulator or cybercrime unit in your country.

6. Beware of recovery scams

Fraudsters often target victims again, claiming they can recover your money for an upfront fee. Legitimate organisations never guarantee recovery.

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