Already Scammed? The Complete Recovery Guide (International)
TL;DR: If you've just been scammed outside India, the order of operations is broadly the same everywhere: contact your bank first if money moved, report to your country's national fraud body, then re-secure your identity and accounts. This page is the map — it links to a detailed guide for your specific country or scam type.
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If something just happened — a wire transfer, a gift card purchase, a romance scam, remote access given to your computer — start with the section that matches your situation. The country-specific and scam-specific guides linked here go deeper.
Step 1: Contact your bank or payment provider immediately
If money moved, speed matters more than almost anything else. In the US, wire transfers have a narrow recall window — see Wire Fraud Recovery in the US. If you paid by gift card, the mechanics are different — see Gift Card Scam Recovery.
Step 2: Report to your national fraud body
- United States: FBI's Internet Crime Complaint Center (ic3.gov)
- United Kingdom: Action Fraud (actionfraud.police.uk) — see Action Fraud reporting and reimbursement rules
- Canada: Canadian Anti-Fraud Centre — see reporting to the CAFC
- Australia: Scamwatch (run by the National Anti-Scam Centre) and IDCARE for identity recovery — see Scamwatch and IDCARE explained
Step 3: Match your situation to a specific guide
- Wired money to a scammer → Wire Fraud Recovery: The 72-Hour Bank Recall Window
- Bought gift cards for a scammer → Gift Card Scam Recovery
- Fell for a romance scam → Romance Scam Recovery
- Gave a "tech support" caller remote access → Tech Support Scam Recovery
- Lost money in a crypto scam → Crypto Scam Recovery
- Gave remote computer access during any scam → Remote Access Scam Recovery
Step 4: Re-secure your identity
Once the immediate reporting is done, freeze your credit, change passwords, and check what personal data is already exposed — the full checklist is in Re-Securing Your Identity After a Scam.
Watch for "recovery agent" scams
A very common follow-up scam targets people who've just lost money, offering to recover it for an upfront fee. This is almost always fraudulent — genuine recovery processes never require payment first.
Understanding how you were targeted
Many international scams reference a real detail about you — a workplace, a family member, a past purchase — pulled from data broker sites or old breaches. Understanding what's exposed about you is a useful next step; a Scan My Shadow report checks your phone number and email against 1,500+ sources.
Frequently Asked Questions
What's the first thing I should do after being scammed outside India?
Contact your bank or payment provider immediately if money moved — speed matters most in the first hours. Then file a report with your country's national fraud reporting body.
Which agency do I report to if I'm in the US, UK, Canada, or Australia?
US: FBI IC3 (ic3.gov). UK: Action Fraud. Canada: Canadian Anti-Fraud Centre. Australia: Scamwatch, run by the National Anti-Scam Centre, plus IDCARE for identity-specific recovery.
Can I get my money back if I paid with a gift card?
It's difficult but not always impossible — see our dedicated gift card recovery guide for what steps are actually worth taking.
Is there a universal timeframe for reporting, like India's Golden Hour?
Each country has its own mechanics, but the underlying principle is the same everywhere: report faster, recover more. The US wire fraud process has a documented 72-hour window for its best recovery odds.
Should I trust someone who contacts me offering to recover my lost funds?
No — this is one of the most common follow-up scams targeting people who've just been defrauded. Legitimate recovery processes never ask for payment upfront.
Curious what's already out there about you? Scan My Shadow checks your phone number and email across 1,500+ sources and sends you a clear report — no guesswork, just facts. Start your scan.
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