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Victim of phishing or bank-helpdesk fraud? Demand your money back

We draft a reasoned refund-demand letter (BW 7:527-7:529, NVB goodwill framework for bank-helpdesk fraud, PSD2). Banks must in principle refund unauthorised transactions; whether that applies in your case depends on the circumstances.

Updated: 2026-05-24Reviewed by FFCheck-redactie

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The letter text is free; you only pay if you want the formatted PDF. It is a filled-in template: general information, not legal or tax advice — no rights can be derived from it. You check the letter and send it yourself.
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  • The text of the letter is free: you may copy it and use it yourself. You only pay if you want the formatted PDF.
  • FFCheck is not a law firm, legal adviser, tax adviser or government body. We are not affiliated with the Belastingdienst (Dutch Tax Administration), a municipality or any other authority named in the letter, and we do not act on your behalf.
  • The letter is a template filled with what you type. It is general information, not legal or tax advice. No rights can be derived from it.
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  • Deadlines matter: late is often too late. Always check the deadline against the date on your own decision or letter.
  • In doubt, a lot of money involved, or a complicated situation? Get help, for example from Het Juridisch Loket (free), your legal-expenses insurance or — for tax matters — a tax adviser.
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Mind the deadlineReport an unauthorised transaction to your bank without delay, and no later than 13 months after the debit (art. 7:526 BW). Do not wait for this letter: call or message your bank straight away.

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