Firms › Revolut Limited ›

Revolut Limited

Financial Ombudsman decision DRN-5355517 Upheld

The Ombudsman does not print a decision date. The date above is the deadline the consumer was given to accept or reject the decision, which is set about a month after it was issued. It is reliable to the year, not to the month.

What this decision was about

APP scam refund refused, Unauthorised transaction

In the Ombudsman’s words

I don’t believe there’s sufficient evidence to show that Z authorised the two transactions in dispute. I say this because: ... It’s clear to me that there’s a pattern of suspicious transaction behaviour. I don’t believe there’s any dispute that the transactions that were made were fraudulent.APP scam refund refused

The regulations which are relevant to Z’s complaint are the Payment Services Regulations 2017 (PSRs). These primarily require banks and financial institutions to refund customers if they didn’t make or authorise payments themselves.Unauthorised transaction

Rules cited

Payment Services Regulations 2017

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5355517.pdf on financial-ombudsman.org.uk.

The outcome shown is the Ombudsman’s own published classification, not our reading of the text. Nothing here is legal advice, and a decision concerns only the complaint it was made about.