...My sister called me yesterday to say that her bank account had been hacked and over 2 and a half grand had been "stolen".
She contacted her bank and they denied all liability and claimed that she must have been negligent in disclosing her details to someone.
She spoke to me and we talked about the banks responsibilities and a form of words that might put them in a more receptive frame of mind.
I gave her a list of specific questions to ask about the transactions.
She contacted their fraud department this morning and had a "chat" and miraculously they have changed their stance and all her lost money has been replaced and they agree that she is blameless.
She does not have a banking app on her phone and the transaction occurred in the "sleeping hours" to the benefit of foreign persons via BACS transfers.
I wouldn't bank with her bank (although TBH they (banks) are all crooks). But a happy ending for her.