{"id":416,"date":"2025-06-05T17:40:23","date_gmt":"2025-06-05T17:40:23","guid":{"rendered":"https:\/\/abadibabeabogados.es\/?p=416"},"modified":"2025-06-05T17:40:23","modified_gmt":"2025-06-05T17:40:23","slug":"%f0%9f%9b%a1%ef%b8%8f-supreme-court-strengthens-consumer-protection-against-digital-fraud","status":"publish","type":"post","link":"https:\/\/abadibabeabogados.es\/?p=416&lang=en","title":{"rendered":"\ud83d\udee1\ufe0f Supreme Court strengthens consumer protection against digital fraud"},"content":{"rendered":"\n<p>In a recent ruling <strong>(STS 571\/2025 of 9 April<\/strong>), the Supreme Court has established case law on banking security and digital fraud, obliging financial institutions to respond for unauthorised transactions when no gross negligence on the part of the customer is proven.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\">\n\n\n\n<h3 class=\"wp-block-heading\">\ud83d\udccc Case study: a customer affected by digital fraud<\/h3>\n\n\n\n<p>An <strong>Ibercaja<\/strong> user suffered a complex fraud using <em>phishing<\/em> techniques and SIM card duplication, which allowed the fraudsters to execute <strong>15 unauthorised<\/strong> transfers for an amount of more than <strong>\u20ac83,000.<\/strong> Although the customer had warned the bank of suspicious movements, <strong>the bank failed to activate preventive measures or detect the anomalies <\/strong>in the system. <\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\">\n\n\n\n<h3 class=\"wp-block-heading\">\u2696\ufe0f Supreme Court decision<\/h3>\n\n\n\n<p>The Court rejected the bank&#8217;s appeal and reaffirmed the bank&#8217;s liability, stating that:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The use of systems such as <strong>two-factor authentication<\/strong> does not exempt banks from their supervisory obligations.<\/li>\n\n\n\n<li><strong>Clauses releasing the institution from liability <\/strong>are null and void if they contradict the regulations in force.<\/li>\n\n\n\n<li>It is up to the bank to <strong>prove gross negligence or fraudulent behaviour on the part of the customer.<\/strong><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\">\n\n\n\n<h3 class=\"wp-block-heading\">What does this mean for consumers?<\/h3>\n\n\n\n<p>This Supreme Court ruling represents a step forward in the <strong>protection of the rights <\/strong>of users of digital payment services:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Banks should have effective systems in place to <strong>detect suspicious transactions.<\/strong><\/li>\n\n\n\n<li>Consumers are not liable for unauthorised transactions if they have acted diligently.<\/li>\n\n\n\n<li>The principle of<strong> trust and confidence<\/strong> in electronic means of payment is reinforced.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\">\n\n\n\n<h3 class=\"wp-block-heading\">\ud83d\udcdd Conclusion: your rights as a user are protected<\/h3>\n\n\n\n<p>If you have been the victim of a digital fraud, you<strong> can claim back <\/strong>the amounts stolen from the bank, provided that you have acted diligently and notified the bank immediately.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Have you suffered a bank fraud? <\/strong>In our office we help you to claim and defend your rights. <a class=\"\" href=\"#contacto\">Contact us <\/a>for an initial assessment with no obligation.<\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\">\n\n\n\n<p>&lt;small&gt;&lt;em&gt;This article is for informational purposes only and does not constitute legal advice. Each case must be assessed by a specialised lawyer. According to article 74 of Royal Decree-Law 19\/2018, institutions are obliged to return the amount of unauthorised transactions to the customer, except in the case of gross negligence.  &lt;\/em&gt;&lt;\/small&gt;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Supreme Court reinforces consumer protection against digital fraud, obliging banks to return the money if they do not prove gross negligence on the part of the customer. We analyse the STS 571\/2025 ruling and its legal implications. <\/p>\n","protected":false},"author":1,"featured_media":347,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15],"tags":[],"class_list":["post-416","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-legislative-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\ud83d\udee1\ufe0f Supreme Court strengthens consumer protection against digital fraud - Abad Ibabe Abogados<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/abadibabeabogados.es\/?p=416\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\ud83d\udee1\ufe0f Supreme Court strengthens consumer protection against digital fraud - Abad Ibabe Abogados\" \/>\n<meta property=\"og:description\" content=\"The Supreme Court reinforces consumer protection against digital fraud, obliging banks to return the money if they do not prove gross negligence on the part of the customer. 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