What is an APP?
APP stands for Authorized Push Payment (APP), a transaction in which you, as the payer, authorise a payment directly to another individual or organization. 
“So, how is APP considered a fraudulent activity? How am I a part of a fraud?”
During an APP fraud, criminals manipulate and trick their victims (who could be you) into making payments or sharing personal details. This scam is called ‘authorised’ because the victim voluntarily transfers money from their bank account into the fraudster’s bank account.  
Ways you can be trapped in APP fraud:
•    Fraudsters can impersonate a bank staff to get the victim to transfer funds to a different account. These fraud attempts can be via a text, a telephone conversation, or an email claiming to be from your bank. 
•    Fraudsters also pose as well-known legitimate businesses or government bodies in order to win a victim’s trust.
Key Tips for Staying Safe:
•    Verify the payment details before authorising a transaction.
•    Be cautious of any unexpected or unsolicited requests for payment.
•    If unsure, always contact the payee through a trusted method to confirm payment details.
•    Avoid sharing sensitive payment information via unsecured methods (email, phone, etc.).
If you have any further questions or concerns, please don’t hesitate to reach out at,
customerservices.sbiuk@statebank.com
0800 532 532 
or at your nearest branch