Need help reading this page? Click to activate Recite Me popup.

Authorised Push Payment (APP) fraud explained

You might have noticed some graphs shown at the bottom of our homepage. These show APP fraud information.

We publish our APP fraud data in line with the requirements issued by the PSR (Payment Systems Regulator). All the data shown is for the year 2022.

What does APP fraud mean?

Authorised Push Payment (APP) fraud is a transfer of funds across Faster Payments, CHAPS or an internal transfer, authorised by a customer where:

  • The customer intended to transfer funds to another person, but was instead deceived into transferring the funds to a different person; or
  • The customer transferred funds to another person for what they believed were legitimate purposes, but which were in fact fraudulent.

What do the APP rankings show?

The PSR collects information from all the major banking groups in the UK.

You’ll notice that some brands are grouped together. Halifax is part of the same group which also includes Lloyds Bank and Bank of Scotland. The data shown here is a combination of these three brands.

The full report is available at psr.org.uk/app-fraud-data (link opens in a new window).

What is the PSR?

PSR stands for Payment Systems Regulator. The PSR is the UK economic regulator of payment systems operated by UK banks, building societies and payments firms.

A payment system is used to move money electronically. So, whenever you make a contactless payment, transfer money or get paid, a payment system has been used.

Let's work together to stop fraud

From dodgy texts to social media scams, we'll help you to learn what to look out for.

Let's work together to stop fraud

From dodgy texts to social media scams, we'll help you to learn what to look out for.

Prevent

We reveal the tricks that fraudsters use so you can stay safe from scams.

Visit the Fraud Hub

Protect

Stay one step ahead by learning about the latest scams.

See the latest scams

Report

Have you been targeted by fraudsters? We'll guide you on what to do next.

Contact us now