nicht autorisierte Zahlungsvorgänge Archive : Compliance & Recht

ECJ: Banks must first reimburse unauthorised debits for phishing victims

From horak lawyersPublished on 19 October 2026Contribution posted in GeneralTagged with Art. 72 PSD2, Art. 73 PSD2, Art. 74 PSD2, Banking liability, Bank law, Complaint management, Prevention of fraud, C-70/25, Compliance, Compliance Management, Compliance processes, Obligation to refund, Court of Justice, Financial service providers, Fraud Prevention, gross negligence, Liability for payment fraud, Account security, Customer rights, Evidence requirements, Unauthorised payment transactions, Online banking, Online fraud, Phishing, Phishing fraud, PSD2, Risk management, Refund, Tukowiecka, Consumer protection, Payment Services Directive, Payment service providers, Payments lawNo comments

Judgment of the European Court of Justice of 15 October 2026 – C-70/25, Tukowiecka Banks and other payment service providers may not refuse or delay the reimbursement of unauthorized payment transactions solely because they accuse the customer of gross negligence. The European Court of Justice (ECJ) has clarified this in the case of Tukowiecka. The decision is particularly relevant to complaint management, fraud prevention and [...]