{"id":21258,"date":"2026-01-12T02:38:00","date_gmt":"2026-01-12T01:38:00","guid":{"rendered":"https:\/\/www.in-diem.com\/phishing-smishing-and-vishing-in-spain-how-to-report-and-recover-your-money\/"},"modified":"2026-08-12T03:22:11","modified_gmt":"2026-08-12T01:22:11","slug":"phishing-smishing-and-vishing-in-spain-how-to-report-and-recover-your-money","status":"publish","type":"post","link":"https:\/\/www.in-diem.com\/en\/phishing-smishing-and-vishing-in-spain-how-to-report-and-recover-your-money\/","title":{"rendered":"Phishing, Smishing, and Vishing in Spain: How to Report and Recover Your Money"},"content":{"rendered":"<div class=\"vgblk-rw-wrapper limit-wrapper\">\n<p class=\"wp-block-paragraph\"><strong>If you are reading this, you have probably received a suspicious message<\/strong> from the &#8220;bank&#8221;, an SMS from Correos about a non-existent package, or a threatening call from someone claiming to be from your financial institution. <strong>You are not alone.<\/strong><\/p>\n\n<p class=\"wp-block-paragraph\">During the first quarter of 2025, phishing cases in Spain increased by 40% compared to the same period in 2024, affecting thousands of people every week. Most victims believe they cannot recover their money\u2026 but <strong>we have good news for you!<\/strong> The law is on your side, and <strong>we will tell you everything you need to know.<\/strong> <\/p>\n\n<p class=\"wp-block-paragraph\">In this comprehensive guide, you will learn:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>What phishing, smishing, and vishing are,<\/li>\n\n\n\n<li>How to identify fraud,<\/li>\n\n\n\n<li>What to do step-by-step,<\/li>\n\n\n\n<li>How to report it,<\/li>\n\n\n\n<li>When the bank must return your money,<\/li>\n\n\n\n<li>What evidence you need,<\/li>\n\n\n\n<li>And how a specialized firm like IN DIEM Abogados can help you recover it.<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading has-text-color\" style=\"color:#0029a4;font-size:22px;font-style:normal;font-weight:400\"><strong>What are Phishing, Smishing, and Vishing? Clear Definitions <\/strong><\/h2>\n\n<h3 class=\"wp-block-heading has-medium-font-size\"><strong>Phishing: Fraudulent Emails<\/strong><\/h3>\n\n<p class=\"wp-block-paragraph\">Phishing is a fraud technique where criminals send emails that appear to come from legitimate entities (banks, companies, public bodies) to steal your personal or banking data.<\/p>\n\n<p class=\"wp-block-paragraph\">A <strong><em>real example<\/em><\/strong> of this maneuver is: You receive an email seemingly from BBVA stating that your account has been &#8220;blocked for security&#8221; and that you must &#8220;verify your identity&#8221; by clicking on a link. Upon doing so, you are redirected to a website identical to the bank&#8217;s, where you enter your access credentials. Minutes later, the scammers empty your account.  <\/p>\n\n<h3 class=\"wp-block-heading has-medium-font-size\"><strong>Smishing: SMS Scams<\/strong><\/h3>\n\n<p class=\"wp-block-paragraph\">Smishing uses fraudulent text messages to trick users into clicking malicious links or sharing private data, such as bank account numbers.<\/p>\n\n<p class=\"wp-block-paragraph\"><strong><em>Real example:<\/em><\/strong> You receive an SMS supposedly from Correos: &#8220;Your package is pending delivery. Pay \u20ac1.99 at this link to receive it.&#8221; The link leads to a fake page where you enter your card details, giving scammers direct access. <\/p>\n\n<h3 class=\"wp-block-heading has-medium-font-size\"><strong>Vishing: Fraudulent Phone Calls<\/strong><\/h3>\n\n<p class=\"wp-block-paragraph\">Vishing involves fake phone calls that pressure victims into revealing codes, credentials, or saying &#8220;yes.&#8221; Scammers record your voice saying &#8220;yes&#8221; to use it in fraudulent transactions. <\/p>\n\n<p class=\"wp-block-paragraph\"><strong><em>Real example:<\/em><\/strong> Someone calls you claiming to be from your &#8220;bank&#8217;s security department,&#8221; alerting you to &#8220;suspicious activity.&#8221; They ask you to &#8220;confirm&#8221; your identity by providing codes sent to you via SMS. These codes are actually authorizations to transfer your money.  <\/p>\n\n<h2 class=\"wp-block-heading has-text-color\" style=\"color:#0029a4;font-size:22px;font-style:normal;font-weight:400\"><strong>Why are these scams increasing in Spain?<\/strong><\/h2>\n\n<p class=\"wp-block-paragraph\">1. <strong>Use of Artificial Intelligence by Cybercriminals<\/strong>.<\/p>\n\n<p class=\"wp-block-paragraph\">94% of Spanish companies have suffered phishing or vishing attacks, many enhanced by deepfake techniques. AI allows for the creation of synthetic voices indistinguishable from real ones and extremely convincing personalized messages. <\/p>\n\n<p class=\"wp-block-paragraph\">2. <strong>Perfect Impersonation of Banks and Organizations<\/strong>.<\/p>\n\n<p class=\"wp-block-paragraph\">Scammers can make the official number of your bank or the National Police appear on your phone. This technique, called &#8220;<strong>spoofing<\/strong>,&#8221; makes calls seem completely legitimate. <\/p>\n\n<p class=\"wp-block-paragraph\">3. <strong>Main Targets in Spain<\/strong>.<\/p>\n\n<p class=\"wp-block-paragraph\">Cybercriminals focus on impersonating entities with a high level of trust:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Banking entities:<\/strong> BBVA, Santander, CaixaBank, Ibercaja, Bankinter<\/li>\n\n\n\n<li><strong>Public bodies<\/strong>: Hacienda (Tax Agency), DGT (Traffic Authority), Seguridad Social (Social Security)<\/li>\n\n\n\n<li><strong>Courier companies<\/strong>: Correos, MRW, SEUR<\/li>\n\n\n\n<li><strong>Popular platforms<\/strong>: Amazon, Bizum, PayPal<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading has-text-color\" style=\"color:#0029a4;font-size:22px;font-style:normal;font-weight:400\"><strong>How to Detect a Phishing, Smishing, or Vishing Attempt?<\/strong><\/h2>\n\n<h3 class=\"wp-block-heading has-medium-font-size\"><strong>Infallible Warning Signs<\/strong><\/h3>\n\n<ul class=\"wp-block-list\">\n<li> <strong>Artificial urgency<\/strong> or <strong>threats<\/strong>: &#8220;<em>Your account will be blocked in 24 hours<\/em>&#8220;, &#8220;<em>Act now or you will lose your package<\/em>&#8220;<\/li>\n<\/ul>\n\n<ul class=\"wp-block-list\">\n<li><strong>Shortened or strange links<\/strong>: bit.ly, tinyurl.com, or URLs that do not exactly match the official one (e.g., &#8220;bbva-seguridad.com&#8221; instead of &#8220;bbva.es&#8221;)<\/li>\n<\/ul>\n\n<ul class=\"wp-block-list\">\n<li><strong>Request for sensitive data<\/strong>: No bank asks for passwords, PINs, or coordinates via SMS, email, or phone<\/li>\n<\/ul>\n\n<ul class=\"wp-block-list\">\n<li><strong>Spelling or grammatical errors:<\/strong> Although increasingly less frequent, they still appear in some attempts<\/li>\n<\/ul>\n\n<ul class=\"wp-block-list\">\n<li> <strong>Generic senders<\/strong>: &#8220;<em>Dear customer<\/em>&#8221; instead of your name<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">From <strong>IN DIEM<\/strong>, we provide some examples of real messages we have collected this year to help you prevent these types of scams:<\/p>\n\n<h3 class=\"wp-block-heading has-medium-font-size\"><strong>Fake BBVA SMS:<\/strong><\/h3>\n\n<pre class=\"wp-block-preformatted\">BBVA: We have detected unusual activity. Verify your identity here: bit.ly\/xxxxx\nYou have 24h before permanent blocking. <\/pre>\n\n<h3 class=\"wp-block-heading has-medium-font-size\"><strong>Fake &#8220;bank&#8221; call:<\/strong><\/h3>\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\" style=\"font-size:12px\">&#8220;Good morning, we are calling from your bank&#8217;s anti-fraud department.<br\/>We have detected three suspicious transfers. Do you recognize them?<br\/>We need you to confirm the codes we will send you via SMS to block them.&#8221; <\/p>\n<\/blockquote>\n\n<h3 class=\"wp-block-heading has-medium-font-size\"><strong>Fake Tax Agency email:<\/strong><\/h3>\n\n<pre class=\"wp-block-preformatted\">Subject: Pending tax refund - \u20ac873\nYou have a pending tax refund. Click here to claim it before 12\/31\/2025. <\/pre>\n\n<h2 class=\"wp-block-heading has-text-color\" style=\"color:#0029a4;font-size:22px;font-style:normal;font-weight:400\"><strong>What to Do If You Have Already Fallen for the Scam? Step-by-Step Guide <\/strong><\/h2>\n\n<h3 class=\"wp-block-heading has-vivid-cyan-blue-color has-text-color has-link-color has-medium-font-size wp-elements-5d53e9243f6f9d526e5318c9cbe86176\"><strong>Step 1: Act Immediately<\/strong><\/h3>\n\n<p class=\"wp-block-paragraph\">It is important to understand that the <strong>first 30 minutes<\/strong> are &#8220;CRITICAL TIME&#8221;<\/p>\n\n<ol class=\"wp-block-list\">\n<li><strong>Block your bank account:<\/strong>\n<ul class=\"wp-block-list\">\n<li>Immediately call your bank&#8217;s customer service number<\/li>\n\n\n\n<li>Request urgent blocking of cards and online banking access<\/li>\n\n\n\n<li>Do not hang up until you have an incident number<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Change all your passwords:<\/strong>\n<ul class=\"wp-block-list\">\n<li>Online banking<\/li>\n\n\n\n<li>Email<\/li>\n\n\n\n<li>Any service where you use the same password<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n<h3 class=\"wp-block-heading has-vivid-cyan-blue-color has-text-color has-link-color has-medium-font-size wp-elements-bf85a9719ac2d523b4479800d36fc721\"><strong>Step 2: Gather All Evidence<\/strong><\/h3>\n\n<p class=\"wp-block-paragraph\">This step should be done, if possible, <strong>within 24 hours<\/strong><\/p>\n\n<p class=\"wp-block-paragraph\">Critical evidence:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Screenshots of received SMS messages<\/li>\n\n\n\n<li>Complete emails (do not delete them, forward them to your own email as backup)<\/li>\n\n\n\n<li>Phone numbers from which you were called<\/li>\n\n\n\n<li>URLs of fake websites (do not click, just copy the address)<\/li>\n\n\n\n<li>Bank statements showing fraudulent transactions<\/li>\n\n\n\n<li>Call records with time and duration<\/li>\n\n\n\n<li>WhatsApp conversations, if any<\/li>\n<\/ul>\n\n<h3 class=\"wp-block-heading has-vivid-cyan-blue-color has-text-color has-link-color has-medium-font-size wp-elements-4d9e9f3bd7adc712f27952afb1a761bd\"><strong>Step 3: Report to the Authorities<\/strong><\/h3>\n\n<p class=\"wp-block-paragraph\">Ideally, this should be done within the <strong>first 48 hours<\/strong><\/p>\n\n<p class=\"wp-block-paragraph\">\u2316 Where to report:<\/p>\n\n<ol class=\"wp-block-list\">\n<li><strong><a href=\"https:\/\/denuncias.policia.es\/OVD\/\">National Police:<\/a><\/strong><\/li>\n\n\n\n<li><strong><a href=\"https:\/\/sede.guardiacivil.gob.es\/procedimientos\/index\/categoria\/1470\">Civil Guard:<\/a><\/strong><\/li>\n\n\n\n<li><strong><a href=\"https:\/\/www.incibe.es\/ciudadania\/ayuda\/denuncia\">INCIBE<\/a> (National Cybersecurity Institute):<\/strong><\/li>\n\n\n\n<li><strong><a href=\"https:\/\/www.bde.es\/wbe\/es\/para-ciudadano\/gestiones\/canal-de-denuncias-del-banco-de-espana\/\">Bank of Spain<\/a><\/strong><\/li>\n<\/ol>\n\n<h3 class=\"wp-block-heading has-vivid-cyan-blue-color has-text-color has-link-color has-medium-font-size wp-elements-12b234530102d40e9895ce7a4679e362\"><strong>Step 4: File a Claim with the Bank<\/strong><\/h3>\n\n<p class=\"wp-block-paragraph\">Important: You have up to 13 months to report unauthorized transactions, but the sooner, the better.<\/p>\n\n<h2 class=\"wp-block-heading has-text-color\" style=\"color:#0029a4;font-size:22px;font-style:normal;font-weight:400\"><strong>When is the Bank Liable? Updated Legal Analysis 2025 <\/strong><\/h2>\n\n<h3 class=\"wp-block-heading has-medium-font-size\"><strong>The PSD2 Regulation: Your Legal Shield<\/strong><\/h3>\n\n<p class=\"wp-block-paragraph\">The <a href=\"https:\/\/www.boe.es\/buscar\/doc.php?id=DOUE-L-2015-82575\">European Payment Services Directive (PSD2)<\/a>, transposed into Spanish law through <a href=\"https:\/\/www.boe.es\/buscar\/doc.php?id=BOE-A-2018-16036\">Royal Decree-Law 19\/2018<\/a>, clearly establishes:<\/p>\n\n<p class=\"wp-block-paragraph\"><strong>Article 45:<\/strong> <em>The payment service provider (the bank) must immediately reimburse the customer the amount stolen, unless it can prove that the user acted with gross negligence or fraud.<\/em><\/p>\n\n<h3 class=\"wp-block-heading has-vivid-cyan-blue-color has-text-color has-link-color has-medium-font-size wp-elements-df708d1dd942fddc2a0ff3fe03fc33a6\">Important<\/h3>\n\n<p class=\"wp-block-paragraph\">It is not you who must prove that you did not authorize the transaction. <strong>It is the bank that must prove that:<\/strong><\/p>\n\n<ol class=\"wp-block-list\">\n<li>The transaction was correctly authenticated<\/li>\n\n\n\n<li>You gave your express consent<\/li>\n\n\n\n<li>You acted with fraud or gross negligence<\/li>\n<\/ol>\n\n<h3 class=\"wp-block-heading has-vivid-cyan-blue-color has-text-color has-link-color has-medium-font-size wp-elements-c830462b4df65d339040c0836df496ec\"><strong>What is &#8220;Gross Negligence&#8221;?<\/strong><\/h3>\n\n<ul class=\"wp-block-list\">\n<li>Voluntarily sharing your credentials in a public forum<\/li>\n\n\n\n<li>Ignoring multiple obvious security warnings<\/li>\n\n\n\n<li>Consciously providing access to unknown persons<\/li>\n<\/ul>\n\n<p class=\"has-vivid-cyan-blue-color has-text-color has-link-color wp-elements-fc009b4d5c9a208f64677374634e1a5d wp-block-paragraph\" style=\"font-size:15px\"><strong>It is NOT gross negligence:<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Clicking on an SMS that appears to be from your bank<\/li>\n\n\n\n<li>Entering your data on a website that perfectly replicates the official one<\/li>\n\n\n\n<li>Providing codes to someone who identifies themselves as your bank<\/li>\n\n\n\n<li>Being deceived by voice deepfakes<\/li>\n<\/ul>\n\n<h3 class=\"wp-block-heading has-medium-font-size\"><strong>Key Ruling 2025: Supreme Court 571\/2025<\/strong><\/h3>\n\n<p class=\"wp-block-paragraph\">The High Court confirmed the conviction of Ibercaja for a phishing case where fifteen unauthorized transfers were made via online banking and Bizum. The bank was ordered to return over \u20ac56,000. <\/p>\n\n<p class=\"wp-block-paragraph\">\u279c The bank must prove gross negligence.<\/p>\n\n<p class=\"wp-block-paragraph\">\u279c The victim does not have to prove anything.<\/p>\n\n<h3 class=\"wp-block-heading has-medium-font-size\"><strong>What to Do If the Bank Refuses Reimbursement?<\/strong><\/h3>\n\n<p class=\"wp-block-paragraph\">Do not accept &#8220;no&#8221; as a final answer. <strong>Phishing lawsuits are being won in 95% of cases.<\/strong><\/p>\n\n<ol class=\"wp-block-list\">\n<li>Formal complaint to Customer Service (Response time: 1 month)<\/li>\n\n\n\n<li>Complaint to the Bank of Spain (if the bank does not respond or rejects without justification)<\/li>\n\n\n\n<li>Judicial route with a specialized lawyer (This is where IN DIEM Abogados makes the difference)<\/li>\n<\/ol>\n\n<h2 class=\"wp-block-heading has-text-color\" style=\"color:#0029a4;font-size:22px;font-style:normal;font-weight:400\"><strong>Evidence needed to recover the money<\/strong><\/h2>\n\n<ul class=\"wp-block-list\">\n<li>Police report<\/li>\n\n\n\n<li>Original SMS and emails<\/li>\n\n\n\n<li>Dated screenshots<\/li>\n\n\n\n<li>Bank statements<\/li>\n\n\n\n<li>Communications with the bank<\/li>\n\n\n\n<li>Digital witnesses (INCIBE)<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading has-text-color\" style=\"color:#0029a4;font-size:22px;font-style:normal;font-weight:400\"><strong>Real Possibilities of Recovering Money<\/strong><\/h2>\n\n<p class=\"wp-block-paragraph\"><strong>Factors That Increase the Probability of Recovery<\/strong><\/p>\n\n<ol class=\"wp-block-list\">\n<li><strong>Speed of action:<\/strong> Acting quickly recovers more than 40% of losses<\/li>\n\n\n\n<li><strong>Immediate police report:<\/strong> Essential for the judicial process<\/li>\n\n\n\n<li><strong>Formal claim to the bank:<\/strong> With all attached evidence<\/li>\n\n\n\n<li><strong>Having a specialized lawyer:<\/strong> They know banking tactics and how to combat them<\/li>\n\n\n\n<li><strong>Complete documentation:<\/strong> The more evidence, the better<\/li>\n\n\n\n<li><strong>Persistence:<\/strong> 80% of banks initially reject claims hoping victims will give up<\/li>\n<\/ol>\n\n<h2 class=\"wp-block-heading has-text-color\" style=\"color:#0029a4;font-size:22px;font-style:normal;font-weight:400\"><strong>Common Mistakes That Make Recovering Money Difficult<\/strong><\/h2>\n\n<ol class=\"wp-block-list\">\n<li><strong>Not Reporting in Time<\/strong><br\/>Many victims feel ashamed or believe it&#8217;s &#8220;not worth it.&#8221; Serious mistake: Without a police report, your claim loses legal force. <\/li>\n\n\n\n<li><strong>Not Collecting Evidence<\/strong><br\/>Deleting fraudulent messages &#8220;to forget about it&#8221; destroys crucial evidence. Keep everything. <\/li>\n\n\n\n<li><strong>Deleting or Modifying Messages<\/strong><br\/>Any alteration of evidence can be used against you. Do not modify anything.<\/li>\n\n\n\n<li><strong>Accepting the Bank&#8217;s Refusal Without Claiming<\/strong><br\/>Banks count on you giving up. 80% initially reject, hoping victims will abandon. <\/li>\n\n\n\n<li><strong>Not Seeking Professional Advice<\/strong><br\/>Facing a bank&#8217;s legal department alone is an unequal battle. They have specialized teams in rejecting claims. <\/li>\n\n\n\n<li><strong>Delaying Account Blocking<\/strong><br\/>Every minute that passes without blocking your access allows more fraudulent transfers.<\/li>\n\n\n\n<li><strong>Not Formally Notifying the Bank<\/strong><br\/>A phone call is not enough. You need written communication with acknowledgment of receipt. <\/li>\n<\/ol>\n\n<p class=\"wp-block-paragraph\"><strong>Need help?<\/strong> If you have been a victim of phishing, smishing, or vishing, contact a specialized firm. At <strong>IN DIEM Abogados<\/strong>, we can advise you, prepare the claim, and represent you before the bank or in court to maximize the chances of recovering your money. <\/p>\n\n<div class=\"indiem-infografia-phishing\"><style>.indiem-infografia-phishing {\n      width: 100%;\n      max-width: 100%;\n      background: #f4f8f9;\n      border-radius: 16px;\n      padding: 24px;\n      margin: 32px 0;\n      font-family: inherit;\n      color: #1f2933;\n      box-sizing: border-box;\n    }\n\n    .indiem-infografia-phishing * {\n      box-sizing: border-box;\n    }\n\n    .indiem-infografia-phishing .header {\n      text-align: center;\n      margin-bottom: 22px;\n    }\n\n    .indiem-infografia-phishing h2 {\n      color: #0A3151 !important;\n      font-size: clamp(24px, 3vw, 32px);\n      line-height: 1.2;\n      margin: 0 0 8px;\n      font-weight: 800;\n    }\n\n    .indiem-infografia-phishing .intro {\n      color: #4b5563;\n      font-size: 14px;\n      line-height: 1.55;\n      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.indiem-infografia-phishing .cta a {\n      display: inline-block;\n      background: #33B4D6;\n      color: #ffffff !important;\n      text-decoration: none;\n      padding: 10px 20px;\n      border-radius: 8px;\n      font-weight: 700;\n      font-size: 14px;\n    }\n\n    .indiem-infografia-phishing .footer {\n      text-align: center;\n      margin-top: 14px;\n      font-size: 12.5px;\n      color: #667085;\n      line-height: 1.5;\n    }\n\n    .indiem-infografia-phishing .footer strong {\n      color: #0A3151 !important;\n    }\n\n    @media (max-width: 1100px) {\n      .indiem-infografia-phishing .pasos {\n        grid-template-columns: repeat(2, 1fr);\n      }\n    }\n\n    @media (max-width: 800px) {\n      .indiem-infografia-phishing .grid-tipos {\n        grid-template-columns: 1fr;\n      }\n    }\n\n    @media (max-width: 600px) {\n      .indiem-infografia-phishing {\n        padding: 20px 16px;\n        border-radius: 14px;\n      }\n\n      .indiem-infografia-phishing .pasos {\n        grid-template-columns: 1fr;\n      }\n\n      .indiem-infografia-phishing .paso {\n        min-height: auto;\n      }\n    }\n  <\/style><div class=\"header\"><h2>Phishing, smishing y vishing<\/h2><p class=\"intro\">Los fraudes digitales pueden llegar por correo electr\u00f3nico, SMS o llamadas telef\u00f3nicas. Actuar r\u00e1pido es clave para bloquear operaciones, conservar pruebas y reclamar la recuperaci\u00f3n del dinero.\n    <\/p><\/div><div class=\"grid-tipos\"><div class=\"tipo-card\"><div class=\"emoji\">\ud83d\udce7<\/div><h3>Phishing<\/h3><p>Correos electr\u00f3nicos fraudulentos que imitan a bancos, empresas o administraciones.<\/p><\/div><div class=\"tipo-card\"><div class=\"emoji\">\ud83d\udcf1<\/div><h3>Smishing<\/h3><p>SMS o mensajes m\u00f3viles con enlaces falsos para obtener datos personales o bancarios.<\/p><\/div><div class=\"tipo-card\"><div class=\"emoji\">\u260e\ufe0f<\/div><h3>Vishing<\/h3><p>Llamadas falsas en las que el estafador se hace pasar por una entidad de confianza.<\/p><\/div><\/div><div class=\"subtitulo\">Qu\u00e9 hacer si has sido v\u00edctima<\/div><div class=\"pasos\"><div class=\"paso\"><div class=\"numero\">1<\/div><div><h3>Bloquear la operaci\u00f3n<\/h3><p>Contactar de inmediato con el banco o proveedor de pago para intentar frenar cargos o transferencias.<\/p><\/div><\/div><div class=\"paso\"><div class=\"numero\">2<\/div><div><h3>Guardar pruebas<\/h3><p>Conservar mensajes, correos, n\u00fameros de tel\u00e9fono, justificantes, capturas y movimientos bancarios.<\/p><\/div><\/div><div class=\"paso\"><div class=\"numero\">3<\/div><div><h3>Denunciar el fraude<\/h3><p>Presentar denuncia y dejar constancia formal de los hechos, importes y medios utilizados.<\/p><\/div><\/div><div class=\"paso\"><div class=\"numero\">4<\/div><div><h3>Reclamar el dinero<\/h3><p>Analizar la responsabilidad de la entidad financiera y preparar la estrategia de reclamaci\u00f3n.<\/p><\/div><\/div><\/div><div class=\"alerta\"><strong>Dato clave:<\/strong> cuanto antes se act\u00fae, mayores son las posibilidades de bloquear movimientos, reconstruir la trazabilidad del fraude y reclamar la devoluci\u00f3n de las cantidades sustra\u00eddas.\n  <\/div><div class=\"cta\"><h3>\u00bfHas sido v\u00edctima de phishing, smishing o vishing?<\/h3><p><strong>IN DIEM Abogados<\/strong> puede ayudarte a analizar el caso, preparar la denuncia y reclamar la recuperaci\u00f3n del dinero.\n    <\/p><a href=\"https:\/\/www.in-diem.com\/en\/24-hours-2\/\">Consulta con expertos<\/a><\/div><div class=\"footer\"><strong>IN DIEM Abogados<\/strong> | Especialistas en fraude digital y recuperaci\u00f3n de activos\n  <\/div><\/div>\n\n<h2 class=\"wp-block-heading has-text-color\" style=\"color:#0029a4;font-size:22px;font-style:normal;font-weight:400\"><strong>How Can IN DIEM Help You?<\/strong><\/h2>\n\n<p class=\"wp-block-paragraph\">The first thing you need to know is that we are <strong>specialists in recovering funds lost to Phishing.<\/strong> At <strong>IN DIEM Abogados<\/strong>, we understand the devastating impact of being a victim of digital fraud. It&#8217;s not just about the money lost, but the feeling of vulnerability, frustration, and helplessness. <\/p>\n\n<p class=\"wp-block-paragraph\"><strong>Our specialization makes the difference:<\/strong><\/p>\n\n<p class=\"wp-block-paragraph\"><strong>\u2714<\/strong> <strong>Comprehensive Legal Analysis of Your Case<\/strong>. We evaluate the following in detail: <\/p>\n\n<ul class=\"wp-block-list\">\n<li>Type of fraud suffered<\/li>\n\n\n\n<li>Bank&#8217;s liability according to PSD2<\/li>\n\n\n\n<li>Feasibility of recovery<\/li>\n\n\n\n<li>Optimal legal strategy<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\"><strong>\u2714<\/strong> <strong>Specialized Bank Claims<\/strong>. Most banks agree to a refund when a specialized attorney gets involved. <\/p>\n\n<ul class=\"wp-block-list\">\n<li>Preparation of technical documents based on PSD2 regulations<\/li>\n\n\n\n<li>Argumentation based on Supreme Court jurisprudence<\/li>\n\n\n\n<li>Deep knowledge of banking rejection tactics<\/li>\n\n\n\n<li>Effective legal pressure to achieve reimbursement<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\"><strong>\u2714<\/strong> <strong>Strategic Criminal Complaint<\/strong>. A well-prepared criminal complaint strengthens your civil claim. <\/p>\n\n<ul class=\"wp-block-list\">\n<li>Submission of a complete criminal complaint<\/li>\n\n\n\n<li>Provision of all evidence in legal format<\/li>\n\n\n\n<li>Monitoring of criminal proceedings<\/li>\n\n\n\n<li>Coordination with authorities (Police, Civil Guard, INCIBE)<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\"><strong>\u2714<\/strong> <strong>Effective Debt Collection<\/strong>. We focus on <strong>tangible results:<\/strong> <\/p>\n\n<ul class=\"wp-block-list\">\n<li>Direct negotiation with banking entities<\/li>\n\n\n\n<li>Legal action if necessary<\/li>\n\n\n\n<li>Claim for legal interest in addition to the principal<\/li>\n\n\n\n<li>Complete management until your money is recovered<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\"><strong>\u2714<\/strong> <strong>Digital Test Preparation<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Legal certification of digital evidence<\/li>\n\n\n\n<li>Forensic technical analysis (if applicable)<\/li>\n\n\n\n<li>Organization of documentation<\/li>\n\n\n\n<li>Presentation of evidence in judicially admissible format<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\"><strong>\u2714<\/strong> <strong>Comprehensive Support<\/strong>. From the very beginning until you get your money back: <\/p>\n\n<ul class=\"wp-block-list\">\n<li>Direct and transparent communication<\/li>\n\n\n\n<li>Explanations in clear language, without unnecessary technical jargon<\/li>\n\n\n\n<li>Constant updates on the status of your case<\/li>\n\n\n\n<li>Emotional and legal support<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\"><strong>Contact us. We are here to help you. <\/strong><\/p>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<div class=\"indiem-faqs\"><style>.indiem-faqs {\n      width: 100%;\n      max-width: 900px;\n      margin: 28px auto;\n      box-sizing: border-box;\n      font-family: inherit;\n    }\n\n    .indiem-faqs * {\n      box-sizing: border-box;\n    }\n\n    .indiem-faqs-title {\n      margin: 0 0 16px 0;\n      color: #0A3151;\n      font-size: 24px;\n      line-height: 1.3;\n      font-weight: 700;\n    }\n\n    .indiem-faq-item {\n      margin-bottom: 10px;\n      border: 1px solid #E6E6E6;\n      border-radius: 12px;\n      background: #ffffff;\n      overflow: hidden;\n    }\n\n    .indiem-faq-item summary {\n      cursor: pointer;\n      padding: 15px 18px;\n      color: #0A3151;\n      font-size: 15px;\n      line-height: 1.4;\n      font-weight: 700;\n      background: #F8FAFC;\n      list-style: none;\n    }\n\n    .indiem-faq-item summary::-webkit-details-marker {\n      display: none;\n    }\n\n    .indiem-faq-item summary::after {\n      content: \"+\";\n      float: right;\n      color: #33B4D6;\n      font-size: 20px;\n      line-height: 1;\n      font-weight: 700;\n    }\n\n    .indiem-faq-item[open] summary::after {\n      content: \"\u2013\";\n    }\n\n    .indiem-faq-content {\n      padding: 14px 18px 16px 18px;\n      border-top: 1px solid #E6E6E6;\n      color: #333333;\n      font-size: 14px;\n      line-height: 1.55;\n    }\n\n    .indiem-faq-content p {\n      margin: 0 0 10px 0;\n    }\n\n    .indiem-faq-content p:last-child {\n      margin-bottom: 0;\n    }\n\n    .indiem-faq-content ul {\n      margin: 8px 0 10px 18px;\n      padding: 0;\n    }\n\n    .indiem-faq-content li {\n      margin-bottom: 6px;\n    }\n\n    @media (max-width: 520px) {\n      .indiem-faqs-title {\n        font-size: 21px;\n      }\n\n      .indiem-faq-item summary {\n        font-size: 14px;\n        padding: 14px 15px;\n      }\n\n      .indiem-faq-content {\n        font-size: 13px;\n        padding: 13px 15px 15px 15px;\n      }\n    }\n  <\/style><h2 class=\"indiem-faqs-title\">Preguntas frecuentes sobre reclamaciones bancarias<\/h2><details class=\"indiem-faq-item\" open=\"\"><summary>\u00bfQu\u00e9 pasa si el banco dice que la operaci\u00f3n fue autorizada?<\/summary><div class=\"indiem-faq-content\"><p>Esta es la defensa m\u00e1s habitual de los bancos, pero no significa que tengas la culpa. Que se usaran tus claves no implica que dieras consentimiento real. La normativa PSD2 obliga al banco a demostrar negligencia grave, no simplemente que se usaron credenciales v\u00e1lidas.<\/p><p>Un abogado especializado puede acreditar que no diste consentimiento, que el banco no aplic\u00f3 medidas de seguridad suficientes y que la operaci\u00f3n mostraba patrones sospechosos.<\/p><\/div><\/details><details class=\"indiem-faq-item\"><summary>\u00bfEs culpa m\u00eda haber ca\u00eddo en la estafa?<\/summary><div class=\"indiem-faq-content\"><p>No. Legalmente no eres responsable. Los estafadores utilizan ingenier\u00eda social, inteligencia artificial y p\u00e1ginas id\u00e9nticas a las reales.<\/p><p>Lo relevante es que actuaste de buena fe y sin intenci\u00f3n de compartir tus datos. La ley protege a las v\u00edctimas, no las culpabiliza.<\/p><\/div><\/details><details class=\"indiem-faq-item\"><summary>\u00bfCu\u00e1nto tarda una reclamaci\u00f3n por phishing?<\/summary><div class=\"indiem-faq-content\"><p>Los plazos orientativos son:<\/p><ul><li>Respuesta inicial del banco: 15 d\u00edas h\u00e1biles.<\/li><li>Servicio de Atenci\u00f3n al Cliente: 1 mes.<\/li><li>Banco de Espa\u00f1a: 4\u20136 meses.<\/li><li>V\u00eda judicial: 6\u201318 meses.<\/li><\/ul><p>Con abogado especializado, los tiempos pueden reducirse notablemente por la presi\u00f3n legal y la correcta fundamentaci\u00f3n jur\u00eddica.<\/p><\/div><\/details><details class=\"indiem-faq-item\"><summary>\u00bfPuedo reclamar aunque hayan pasado meses?<\/summary><div class=\"indiem-faq-content\"><p>S\u00ed. La PSD2 permite reclamar hasta 13 meses despu\u00e9s de la operaci\u00f3n fraudulenta.<\/p><p>Eso s\u00ed: cuanto antes act\u00faes, mayores ser\u00e1n tus posibilidades de recuperar el dinero.<\/p><\/div><\/details><details class=\"indiem-faq-item\"><summary>\u00bfPueden negarme el reembolso por tener una contrase\u00f1a d\u00e9bil?<\/summary><div class=\"indiem-faq-content\"><p>No. Una contrase\u00f1a d\u00e9bil no equivale por s\u00ed sola a negligencia grave.<\/p><p>Los bancos est\u00e1n obligados a implementar sistemas de seguridad eficaces independientemente de la fortaleza de tu contrase\u00f1a.<\/p><\/div><\/details><details class=\"indiem-faq-item\"><summary>\u00bfNecesito un abogado para reclamar?<\/summary><div class=\"indiem-faq-content\"><p>Puedes reclamar por tu cuenta, pero los bancos suelen rechazar muchas reclamaciones iniciales esperando que el cliente desista.<\/p><p>Un abogado especializado conoce la PSD2, sabe c\u00f3mo rebatir la posici\u00f3n del banco y puede aumentar significativamente las probabilidades de recuperaci\u00f3n.<\/p><\/div><\/details><details class=\"indiem-faq-item\"><summary>\u00bfQu\u00e9 ocurre si los estafadores est\u00e1n en otro pa\u00eds?<\/summary><div class=\"indiem-faq-content\"><p>Para la devoluci\u00f3n del dinero por parte del banco, no afecta necesariamente. Tu derecho al reembolso es independiente de d\u00f3nde operen los delincuentes.<\/p><p>En cuanto a la denuncia penal, las autoridades espa\u00f1olas pueden cooperar con organismos internacionales, aunque la identificaci\u00f3n de los responsables suele ser m\u00e1s compleja.<\/p><\/div><\/details><\/div>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<h2 class=\"wp-block-heading has-text-color has-medium-font-size\" style=\"color:#0029a4\"><strong><strong><strong>Lawyers Specializing in Cryptocurrencies: M\u00e1laga, Seville, Madrid, Las Palmas de Gran Canaria, Almer\u00eda, Huelva, <strong><strong>Marbella, Estepona<\/strong><\/strong>\u2026<\/strong><\/strong><\/strong><\/h2>\n\n<p class=\"wp-block-paragraph\">At <strong>IN DIEM Abogados<\/strong> and <strong>Cryptoveritas 360<\/strong> we provide our services at all our <strong>offices and locations in Spain<\/strong>, offering direct and personalized coverage in <strong>Madrid, Seville, M\u00e1laga, Marbella, Las Palmas de Gran Canaria<\/strong>, as well as continuous service through our digital channels for clients throughout the country.<\/p>\n\n<p class=\"wp-block-paragraph\">Our multidisciplinary team also advises <strong>international companies<\/strong>\u2014including <strong>Europe, Latin America and Asia<\/strong>\u2014that wish to <strong>establish or expand in Spain under the MiCA regulatory framework<\/strong>, whether through obtaining the <strong>CASP license from the CNMV<\/strong> or the <strong>incorporation of companies and compliance structures<\/strong> adapted to the European market.<\/p>\n\n<p class=\"wp-block-paragraph\">Thanks to a hybrid working methodology (in-person and online), we guarantee the same level of quality, confidentiality and efficiency for both local and foreign clients, supporting each project from initial planning to effective regulatory authorization.<\/p>\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-medium-font-size\" style=\"color:#0029a4\"><strong>Did you know that Abogados IN DIEM offers online and expedited services?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">We offer our clients the option of receiving assistance via video call or videoconference, as well as by phone, depending on their preference, so that the assistance is as personalized as possible, provided immediately, and without the need to travel. This service is complemented by communication via email, which facilitates the review and delivery of documentation. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In addition, for businesses and individuals, IN DIEM Abogados offers urgent services and 24-hour support for matters that require a quick response.<\/p>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-fe48e5de wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-text-color has-background has-link-color has-custom-font-size wp-element-button\" href=\"https:\/\/www.in-diem.com\/en\/online-lawyers-in-diem\/\" style=\"background-color:#33c0d6;font-size:15px\"><strong>Online Legal Advice<\/strong><\/a><\/div>\n\n\n\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-white-color has-text-color has-background has-link-color has-custom-font-size wp-element-button\" href=\"https:\/\/www.in-diem.com\/en\/24-horas\/\" style=\"background-color:#33c0d6;font-size:15px\"><strong>24-Hour Service and Urgent Requests<\/strong><\/a><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<\/div><\/div>\n\n<h2 class=\"wp-block-heading has-text-color has-medium-font-size\" style=\"color:#0029a4\">Anything else about IN DIEM Lawyers? Here&#8217;s a short presentation video&#8230; <\/h2>\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe title=\"In Diem Abogados Sevilla\" width=\"1280\" height=\"720\" src=\"https:\/\/www.youtube.com\/embed\/wQFpoA1gOfQ?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n<p class=\"wp-block-paragraph\">To acknowledge some of you, here&#8217;s this <a href=\"https:\/\/www.proveedores.com\/proveedores\/abogados-in-diem-asesoramiento-personal-y-online-especializado\/\"><strong>link<\/strong><\/a>.<\/p>\n\n<p class=\"wp-block-paragraph\">You can find us in Seville, Madrid, Las Palmas de Gran Canaria, M\u00e1laga, Tomares, Coria del R\u00edo, Dos Hermanas, Mairena del Alcor, Estepona, Marbella, and Mairena del Aljarafe. We look forward to serving you. <\/p>\n<\/div><!-- .vgblk-rw-wrapper -->","protected":false},"excerpt":{"rendered":"<p>Have you been a victim of bank phishing in Spain? We explain step-by-step how to report it, what the PSD2 regulation states, when the bank must return your money, and how IN DIEM Abogados can help you recover what was lost. Updated Guide 2025.  <\/p>\n","protected":false},"author":3,"featured_media":21259,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_joinchat":[],"footnotes":""},"categories":[4270,4351],"tags":[1861,1855,1862,1857,1863,1860,1858,1859],"class_list":["post-21258","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-criminal-law","category-scam","tag-bank-phishing-liability","tag-fraud-2","tag-how-to-report-phishing","tag-phishing-spain","tag-psd2","tag-recover-money-from-scam","tag-smishing","tag-vishing"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Phishing, smishing, and vishing: Report it<\/title>\n<meta name=\"description\" content=\"Legal Guide 2025: How to Report Phishing, Smishing, and Vishing in Spain. 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