Authorised Push Payment (APP) fraud happens when someone tricks you into willingly sending money to their account, often by pretending to be a trusted person or organisation. Unlike traditional fraud, the transfer is approved by you, which makes recovery harder once the funds have left your account.
APP fraud is increasingly common in cross-border money transfers, where fraudsters pose as family members, service providers, or investment contacts in another country.
🚨 Common Examples of APP Fraud
Here are some real-life scenarios to help you recognise APP fraud early:
Impersonation scams- You receive a message or call from someone pretending to be your relative abroad, asking for urgent help or money.
Investment or loan scams- A person promises a high return or quick financial help if you send money internationally first.
Fake payment confirmations- Someone sends you a falsified receipt or “proof of transfer” and asks you to return the funds.
Charity or donation scams- Scammers exploit goodwill by posing as organisations raising money for causes in another country.
🔍 How to Spot APP Fraud Before It Happens
Look out for these warning signs:
You’re pressured to send money quickly.
The person or company refuses to verify their identity or share verifiable details.
The account details look suspicious or inconsistent with the story.
You’re asked to make payments outside of official channels (e.g., not using NALA or other verified remittance platforms).
If something feels “off,” it probably is. Always take a moment to double-check before confirming an international transfer.
🧭 How to Protect Yourself from APP Fraud
Here are some steps to protect your account and your money:
Only send through trusted apps like NALA. We use advanced security checks to protect your funds.
Never share your personal details including PINs, passwords, or verification codes with anyone.
Confirm recipient details before you send. Fraudsters often use similar names or bank details to confuse senders.
Avoid clicking on links in emails or messages claiming to be from NALA unless you are sure they’re legitimate.
Enable biometric login and keep your app updated to benefit from the latest security features.
⚠️ What to Do If You Suspect Fraud
If you believe you’ve been targeted or have already sent money to a scammer:
Stop any ongoing transfers immediately.
Contact NALA Support right away via the in-app chat or email support@nala.com.
Provide all details of the suspected fraud and we’ll help secure your account and investigate the issue.