An unexpected Bizum from a stranger might seem harmless, but it could be a sophisticated bank scam. Lawyer Rubén warns: "Never return a Bizum you supposedly received by mistake." This fraud, known as the inverse Bizum, is targeting users across Spain, and knowing how to respond is critical.

The Science of the Scam

Inverse Bizum Scam: Why You Should Never Return an Accidental Payment

The scheme starts when you receive an unexpected transfer—say, 100 euros—followed by a message or call from someone claiming they made a mistake and urgently need the money back. According to lawyer Rubén, the funds may come from a hacked account or stolen card. When you return the money, the scammer receives it in their personal account, while you become entangled in an illegal transaction.

person looking at phone with concerned expression
person looking at phone with concerned expression

The consequences are twofold: when the legitimate owner reports the fraud, the bank reverses the initial transfer. So the victim who returned the money loses that amount and also ends up without the original 100 euros. It's a financial and legal double hit.

“Never return a Bizum on your own; always contact your bank to handle the rejection.”

Key Findings