Right after a fraudulent transfer, reporting, freezing payment, and preserving evidence need to happen almost simultaneously to limit the loss.
If you've sent money somewhere you suspect is fraudulent, the next few minutes can shape the outcome. This list lines up the reporting, payment-freeze requests, and evidence preservation you need to handle right after a transfer, in the order they tend to matter.
Each entry covers what to watch for, what to do now, which official channel to contact, and what to have ready. You may need to handle several of these at once β prioritize the most urgent β and confirm each agency's latest guidance before acting, since procedures and hours can change. (Checked August 2026.)
Report to 112 Right Away
Request a Freeze at the Sending Bank
File with the Receiving Bank Too
Secure the Transfer Record
Preserve Conversations and Call Logs
Report Any Info Exposure Too
Check All Accounts for Odd Activity
Block the Recovery-Fee Follow-Up Scam
Frequently asked questions
If I request a payment freeze, do I get my money back right away?
No. A payment freeze only blocks further withdrawal β it doesn't guarantee a refund. Check the actual refund process and outcome through the financial company you filed with or the FSS's official guidance.
Should I call 112 or the bank first?
If it's urgent, it's best to file the 112 report and request the bank's payment freeze at almost the same time. If one call is going to take a while, have someone else β another phone, a family member β handle the other.
Can I report before I've gotten my transaction record?
Yes. Filing the report and requesting the freeze are more urgent than gathering the transaction record. You can fill in the record afterward through the Account Information service or your bank.
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