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The following cases won't be accepted for Authorised Push Payment (APP) reimbursements:

• First-party fraud: If you intentionally engage in fraud or work directly with the fraudster — including if you've lied or misrepresented your circumstances for financial gain — you won't be reimbursed
• International payments: Any payment made overseas to an account held outside of the UK won't be eligible for reimbursement
• Receiving accounts in control of the customer: Payments you've made to another account that you control won't be eligible for reimbursement. This includes any accounts you hold with crypto exchanges
• Card, cash, or cheques: Any payments made by cards or with cash or cheques won't be eligible for reimbursement
• Civil disputes: Any payment made to a genuine retailer or business where you aren't happy with the product or service you've received
• Investments: Any payment made as an investment that isn't deemed to be fraudulent
• Credit unions: Any payments made to a credit union, municipal bank, or national savings bank