If you sent money to a scammer: freeze the account and get a refund 보이스피싱 지급정지·피해구제

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1. 1

   Freeze the scammer's account (지급정지)

   You do thisImmediately

   Call the call center of the bank where you sent the money, or the bank that received it. You can also call the police (112) or the Financial Supervisory Service (1332). Say that you were a victim of voice phishing and give the account number and amount.

   • Call your bank's call center and say you want an account freeze (지급정지) for voice phishing
   • Or call 112 or 1332
   • Give the scammer's account number, the amount and the time

   !Do not wait until morning. Money can be moved out within minutes.

   Mark this step as doneFSS English guide ↗
2. 2

   Protect your phone, ID and accounts

   You do thisThe same day

   If you gave your ID or account details, or opened a strange link, your data may be in the scammer's hands. FSS lists these steps.

   • Reset your phone or delete the bad app. Turn the phone off or use airplane mode until then
   • Register data leaks at pd.fss.or.kr to block new accounts and cards
   • Freeze your own accounts at payinfo.or.kr, at a bank branch or by phone
   • Check at msafer.or.kr if a phone line was opened in your name

   !Use another phone or a computer for these steps if you can. Then follow the bank's and police's advice on certificates and ID cards.

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3. 3

   Get the police confirmation and file the written application

   You do thisWithin 3 business days of your call

   Go to the police station (cyber investigation team) and report the crime. Ask for an incident fact confirmation (사건사고사실확인원). Then take it to the bank branch where you asked for the freeze, and fill in the victim relief application (피해구제신청서).

   • Go to the police station that covers where you live and report the damage
   • Ask for the incident fact confirmation (사건사고사실확인원)
   • Go to your bank branch with the confirmation and photo ID such as your Residence Card or passport, and ask the bank to confirm this ID works
   • Fill in the application and hand it in

   !If you only called, you must hand in the papers within 3 business days. Call the bank or police first to ask what papers they want.

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4. 4

   Bank asks the FSS to start the notice

   Your employerAfter you file

   The bank freezes the whole account, then asks the FSS to start the debt cancellation process (채권소멸절차). The FSS posts a notice on its site for 2 months so the account holder can object.

   • Keep your copies of the application and police confirmation
   • Answer if the bank or police call you

   !If the account holder objects, it can take longer. Ask the bank how your case is going.

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5. 5

   Get your refund

   The agency does thisAbout 2 months after the notice starts

   If nobody objects, the account balance is cancelled. The FSS decides the refund amount within 14 days and the bank pays you without delay.

   • Check that your bank account details are right
   • Wait for the bank's call or text about the payment

   !You only get back what is left in the scammer's account. If many victims share a small balance, you may get only part. Money that was already withdrawn cannot be refunded this way.

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Documents checklist

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0 of 5 documents ready

• Photo ID (Residence Card or passport)You
• Incident fact confirmation (사건사고사실확인원)Police station (cyber investigation team)
• Victim relief application (피해구제신청서)Your bank branch
• Proof of transfer (bank statement or app screenshot)Your bank
• Texts, call log, chat screenshots and the scammer's account numberYour phone

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