Ma banque doit-elle me rembourser en cas de fraude bancaire ?

u003cpu003eOui. En principe, la banque est tenue de u003cstrongu003erembourser immu00e9diatement les opu00e9rations non autorisu00e9esu003c/strongu003e, sauf si elle prouve une u003cstrongu003enu00e9gligence graveu003c/strongu003e du client. Cette ru00e8gle est pru00e9vue par le Code monu00e9taire et financier.u003c/pu003e

Quu2019est-ce quu2019une nu00e9gligence grave selon la banque ?

u003cpu003eLa nu00e9gligence grave est souvent invoquu00e9e par les banques, mais u003cstrongu003eelle est strictement interpru00e9tu00e9e par les tribunauxu003c/strongu003e.u003cbru003eCliquer sur un lien frauduleux, ru00e9pondre u00e0 un faux conseiller ou u00eatre victime de phishing u003cstrongu003ene constitue pas automatiquement une nu00e9gligence graveu003c/strongu003e.u003c/pu003e

La banque peut-elle refuser un remboursement apru00e8s une fraude ?

u003cpu003eOui, mais uniquement si elle u003cstrongu003eapporte la preuveu003c/strongu003e que le client a commis une faute grave.u003cbru003eDans de nombreux cas, ces refus sont u003cstrongu003econtestables juridiquementu003c/strongu003e, surtout lorsquu2019aucune preuve technique su00e9rieuse nu2019est fournie.u003c/pu003e

Quel est le du00e9lai pour signaler une fraude bancaire ?

u003cpu003eVous devez signaler la fraude u003cstrongu003edu00e8s que vous en avez connaissanceu003c/strongu003e, et au plus tard dans un du00e9lai de u003cstrongu003e13 moisu003c/strongu003e pour les opu00e9rations non autorisu00e9es.u003cbru003eUn signalement rapide renforce considu00e9rablement vos chances de remboursement.u003c/pu003e

Que faire en cas de fraude u00e0 la carte bancaire ?

u003cpu003eFaire opposition immu00e9diatementu003c/pu003eu003cpu003eContester les opu00e9rations aupru00e8s de la banqueu003c/pu003eu003cpu003eConsulter un avocat en droit bancaire pour du00e9fendre vos droitsu003c/pu003eu003cpu003eDu00e9poser plainteu003c/pu003e

Suis-je responsable du2019un paiement frauduleux par carte bancaire ?

u003cpu003eNon, sauf exception. La responsabilitu00e9 du client est en principe u003cstrongu003elimitu00e9eu003c/strongu003e, et souvent inexistante si la carte a u00e9tu00e9 utilisu00e9e sans authentification forte.u003c/pu003e

La banque peut-elle refuser le remboursement si ju2019ai communiquu00e9 mes codes ?

u003cpu003ePas automatiquement.u003cbru003eLa jurisprudence considu00e8re que u003cstrongu003elu2019ingu00e9nierie sociale et les escroqueries sophistiquu00e9esu003c/strongu003e peuvent tromper un client normalement vigilant.u003c/pu003e

Suis-je responsable si ju2019ai u00e9tu00e9 victime du2019un faux conseiller bancaire ?

u003cpu003eNon, pas automatiquement.u003cbru003eLes tribunaux reconnaissent de plus en plus que ces fraudes sont u003cstrongu003eextru00eamement sophistiquu00e9esu003c/strongu003e et peuvent tromper des clients prudents.u003c/pu003e

Le phishing est-il considu00e9ru00e9 comme une faute du client ?

u003cpu003eNon.u003cbru003eCliquer sur un lien frauduleux ou ru00e9pondre u00e0 un email de phishing u003cstrongu003ene suffit pas u00e0 caractu00e9riser une nu00e9gligence graveu003c/strongu003e, selon de nombreuses du00e9cisions de justice.u003c/pu003e

Que faire si la banque refuse en invoquant le phishing ?

u003cpu003eIl est fortement conseillu00e9 de u003cstrongu003econsulter un avocat en droit bancaireu003c/strongu003e.u003cbru003eDe nombreux refus sont juridiquement fragiles et peuvent u00eatre annulu00e9s.u003c/pu003e

Banking Fraud – LE BOT Avocat

Our expertise

As a banking law attorney, Maitre Le Bot acts on behalf of banking fraud victims to obtain the reimbursement of misappropriated funds and defend your interests against financial institutions. Whether it involves bank card fraud, fraudulent wire transfers, unauthorised direct debits or fake bank advisers, we support you at every stage — from building your case through to contentious proceedings if necessary.

We implement a personalised strategy, combining legal expertise and a proactive approach, to maximise your chances of obtaining a favourable outcome and protecting your financial rights. This page details our services, the steps to take after a fraud, and the reasons why engaging a lawyer is essential for your legal and financial security.

Why engage a banking law attorney?

Your rights in the event of banking fraud

The law requires banks to reimburse unauthorised transactions, except in cases of gross negligence by the customer (Monetary and Financial Code).
Obtaining this reimbursement can be complex: each case is unique and requires in-depth expertise in banking obligations.
Our firm has solid experience and proven judicial results in this technical and constantly evolving area of law.

What our firm does

✔ Comprehensive analysis of your case
✔ Audit of evidence and communications with the bank
✔ Challenging refusals to reimburse
✔ Amicable negotiation with the banking institution
✔ Representation before the courts if necessary

How does the support process work?

Free initial consultation — Assessment of your situation
Full audit — Gathering of evidence
Negotiation or mediation — Discussion with the bank
Legal action — If an amicable agreement is not possible

FAQ — Banking fraud: questions victims ask

Banking fraud: rights and reimbursement

Must my bank reimburse me in the event of banking fraud?

Yes. In principle, the bank is obliged to immediately reimburse unauthorised transactions, unless it proves gross negligence on the part of the customer. This rule is set out in the Monetary and Financial Code.

What constitutes gross negligence according to the bank?

Gross negligence is often invoked by banks, but it is strictly interpreted by the courts.
Clicking on a fraudulent link, responding to a fake adviser or being a victim of phishing does not automatically constitute gross negligence.

Can the bank refuse reimbursement after a fraud?

Yes, but only if it provides proof that the customer committed a serious fault.
In many cases, these refusals are legally challengeable, especially when no serious technical evidence is provided.

What is the time limit for reporting banking fraud?

You must report the fraud as soon as you become aware of it, and no later than within 13 months for unauthorised transactions.
Prompt reporting significantly strengthens your chances of reimbursement.

Bank card and fraudulent payments

What should you do in the event of bank card fraud?

Block the card immediately

Dispute the transactions with the bank

Consult a banking law attorney to defend your rights

File a complaint

Am I liable for a fraudulent bank card payment?

No, except in rare cases. The customer’s liability is in principle limited, and often non-existent if the card was used without strong authentication.

Can the bank refuse reimbursement if I disclosed my security codes?

Not automatically.
Case law recognises that social engineering and sophisticated scams can deceive a normally vigilant customer.

Fraudulent wire transfers

Can a fraudulent wire transfer be recovered?

Yes, in many cases.
The bank may be held liable if:

the security systems were inadequate
the transfer was abnormal in nature
the customer was the victim of a credible scam

Is the bank liable for a transfer validated by the customer?

Not systematically.
Even if the customer validated the transaction, the bank may be at fault if it failed to detect a manifest anomaly or breached its duty of vigilance.

How long do I have to dispute a fraudulent wire transfer?

As soon as possible and in any event within 13 months. Note that even when the report was made within 13 months, it may be considered late.
A lawyer can intervene even after an initial refusal by the bank, provided the legal time limit has not been exceeded.

{“@context”:”https://schema.org”,”@type”:”FAQPage”,”url”:”https://lebot-avocat.com/expertises/particuliers/fraude-bancaire/”,”@id”:”https://lebot-avocat.com/expertises/particuliers/fraude-bancaire/”,”mainEntity”:[{“@type”:”Question”,”url”:”https://lebot-avocat.com/expertises/particuliers/fraude-bancaire/#peut-on-recuperer-un-virement-bancaire-frauduleux”,”name”:”Peut-on ru00e9cupu00e9rer un virement bancaire frauduleux ?”,”answerCount”:1,”acceptedAnswer”:{“@type”:”Answer”,”text”:”Oui, dans de nombreux cas. La banque peut u00eatre tenue responsable si :<ul class=”wp-block-list”><!– wp:list-item –>n<li>les systu00e8mes de su00e9curitu00e9 u00e9taient insuffisants</li>n<!– /wp:list-item –>nn<!– wp:list-item –>n<li>le virement pru00e9sentait un caractu00e8re anormal</li>n<!– /wp:list-item –>nn<!– wp:list-item –>n<li>le client a u00e9tu00e9 victime du2019une escroquerie cru00e9dible</li>n<!– /wp:list-item –></ul>”}},{“@type”:”Question”,”url”:”https://lebot-avocat.com/expertises/particuliers/fraude-bancaire/#la-banque-est-elle-responsable-dun-virement-valide-par-le-client”,”name”:”La banque est-elle responsable du2019un virement validu00e9 par le client ?”,”answerCount”:1,”acceptedAnswer”:{“@type”:”Answer”,”text”:”Pas systu00e9matiquement. Mu00eame si le client a validu00e9 lu2019opu00e9ration, la banque peut u00eatre fautive si elle nu2019a pas du00e9tectu00e9 une anomalie manifeste ou manquu00e9 u00e0 son devoir de vigilance.”}},{“@type”:”Question”,”url”:”https://lebot-avocat.com/expertises/particuliers/fraude-bancaire/#combien-de-temps-ai-je-pour-contester-un-virement-frauduleux”,”name”:”Combien de temps ai-je pour contester un virement frauduleux ?”,”answerCount”:1,”acceptedAnswer”:{“@type”:”Answer”,”text”:”Le plus tu00f4t possible et en tout cas dans un du00e9lai de 13 mois. Attention, mu00eame lorsque le signalement a u00e9tu00e9 fait dans un du00e9lai de 13 mois, celui-ci peut u00eatre considu00e9ru00e9 comme tardif. Un avocat peut intervenir mu00eame apru00e8s un premier refus de la banque, u00e0 condition que le du00e9lai lu00e9gal ne soit pas du00e9passu00e9.”}}]}

Phishing, fake bank advisers, scams

Am I liable if I was the victim of a fake bank adviser?

No, not automatically.
Courts increasingly recognise that these frauds are extremely sophisticated and can deceive cautious customers.

Is phishing considered to be the customer’s fault?

No.
Clicking on a fraudulent link or responding to a phishing email is not sufficient to establish gross negligence, according to numerous court decisions.

What should you do if the bank refuses by invoking phishing?

It is strongly advisable to consult a banking law attorney.
Many refusals are legally weak and can be overturned.

Lawyer and proceedings

Why engage a lawyer for banking fraud?

A lawyer:

analyses the bank’s actual liability
challenges wrongful refusals
relies on recent case law
maximises the chances of full reimbursement

When should you contact a lawyer after banking fraud?

As soon as the bank refuses your claim, or even beforehand, to avoid procedural errors and strengthen the case from the outset.

Is it possible to obtain reimbursement without going to court?

Yes.
Many cases are resolved through negotiation or formal demand, especially when a lawyer is involved.

What documents should you provide to a lawyer in the event of banking fraud?

bank statements

correspondence with the bank

police complaint

evidence of the fraud (emails, text messages, calls, screenshots)

{“@context”:”https://schema.org”,”@type”:”FAQPage”,”url”:”https://lebot-avocat.com/expertises/particuliers/fraude-bancaire/”,”@id”:”https://lebot-avocat.com/expertises/particuliers/fraude-bancaire/”,”mainEntity”:[{“@type”:”Question”,”url”:”https://lebot-avocat.com/expertises/particuliers/fraude-bancaire/#pourquoi-faire-appel-a-un-avocat-en-fraude-bancaire”,”name”:”Pourquoi faire appel u00e0 un avocat en fraude bancaire ?”,”answerCount”:1,”acceptedAnswer”:{“@type”:”Answer”,”text”:”Un avocat :<ul class=”wp-block-list”><!– wp:list-item –>n<li>analyse la responsabilitu00e9 ru00e9elle de la banque</li>n<!– /wp:list-item –>nn<!– wp:list-item –>n<li>conteste les refus abusifs</li>n<!– /wp:list-item –>nn<!– wp:list-item –>n<li>su2019appuie sur la jurisprudence ru00e9cente</li>n<!– /wp:list-item –>nn<!– wp:list-item –>n<li>maximise les chances de remboursement intu00e9gral</li>n<!– /wp:list-item –></ul>”}},{“@type”:”Question”,”url”:”https://lebot-avocat.com/expertises/particuliers/fraude-bancaire/#quand-contacter-un-avocat-apres-une-fraude-bancaire”,”name”:”Quand contacter un avocat apru00e8s une fraude bancaire ?”,”answerCount”:1,”acceptedAnswer”:{“@type”:”Answer”,”text”:”Du00e8s le refus de la banque, ou mu00eame en amont, pour u00e9viter les erreurs de procu00e9dure et renforcer le dossier du00e8s le du00e9part.”}},{“@type”:”Question”,”url”:”https://lebot-avocat.com/expertises/particuliers/fraude-bancaire/#est-il-possible-dobtenir-un-remboursement-sans-aller-au-tribunal”,”name”:”Est-il possible du2019obtenir un remboursement sans aller au tribunal ?”,”answerCount”:1,”acceptedAnswer”:{“@type”:”Answer”,”text”:”Oui. De nombreux dossiers se ru00e8glent par nu00e9gociation ou mise en demeure, surtout lorsquu2019un avocat intervient.”}},{“@type”:”Question”,”url”:”https://lebot-avocat.com/expertises/particuliers/fraude-bancaire/#quels-documents-fournir-a-un-avocat-en-cas-de-fraude-bancaire”,”name”:”Quels documents fournir u00e0 un avocat en cas de fraude bancaire ?”,”answerCount”:1,”acceptedAnswer”:{“@type”:”Answer”,”text”:”relevu00e9s bancairesu00e9changes avec la banquedu00e9pu00f4t de plaintepreuves de la fraude (emails, SMS, appels, captures)”}}]}