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Our team recovers funds for unauthorised broker scam victims across UK, EU and Nordics. Free case check, no win no fee, honest odds upfront.
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How OnlineRefundee recovers your money from Smart-ISA
- Stop paying immediately. Do not respond to any request for 'tax', 'release fee', or 'withdrawal charge' — that's a follow-on recovery scam.
- Preserve your evidence (60 seconds). Save every screenshot, WhatsApp message, email and bank transfer receipt from Smart-ISA. This becomes the core of your bank complaint.
- We file the PSD2/APP-fraud complaint with your bank — a full dossier citing the official regulator warning plus PSR CRM Code + PSD2 Reg 90. Your bank has 8 weeks to respond.
- We escalate to the Financial Ombudsman Service (FOS) if your bank refuses. Our escalation team overturns 62% of bank refusals in cases like yours.
- We coordinate the criminal report with Action Fraud — this creates the paper trail that unlocks mandatory reimbursement and freezes the scammer's remaining assets.
🇬🇧 What FCA says about Smart-ISA
Smart-ISA is operating without authorisation from the FCA (UK). It is not permitted to offer regulated investment services to retail investors.
Official warning published on 3 August 2026.
- Email used: support@smart-isa.co
Is Smart-ISA still online?
This operation is not part of our automated daily uptime checks, so we cannot say whether its website is online right now. The regulator warning for Smart-ISA remains in force. If anyone claiming to represent Smart-ISA contacts you, treat it as high risk — and never pay any fee to "release" funds.
What we know about Smart-ISA
The FCA (UK) has placed Smart-ISA on its warning list as an unauthorised firm operating without a licence. If you deposited money with Smart-ISA, a free case review will tell you honestly whether it can be recovered.
Full guide: How to recover money lost to investment fraud →
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Message us on WhatsAppHow this scam works
FCA flagged Smart-ISA after receiving multiple victim reports. This type of platform typically starts with a small "trial" deposit, shows fabricated profits to build confidence, then pressures larger deposits before all withdrawal attempts fail. Recovery is possible through PSR CRM Code + PSD2 Reg 90 because your bank has a duty of care under PSD2.
Red flags to recognize
- Guaranteed returns above 15% monthly — no legitimate investment can promise this
- Pressured you to install remote-access software (AnyDesk, TeamViewer) to "help with trading"
- Requested a "release fee", "tax", or "withdrawal charge" before you could access funds
- Not listed in the FCA public register of authorised firms
- Refused to provide FCA/CONSOB/BaFin licence number when asked
Recovery timeline for this case type
The typical UK-based case follows this timeline: Week 1-2, we file the initial PSD2/APP-fraud complaint with your bank citing the FCA warning. Weeks 3-8, the bank has 8 weeks under PSR CRM Code + PSD2 Reg 90 to investigate and respond. If refused (60% of first responses), Weeks 10-16, we escalate to Financial Ombudsman Service (FOS) — our team overturns 62% of refusals at this stage. Weeks 16-24, funds returned or case moves to criminal referral. Most successful recoveries close in 8-16 weeks.
Frequently asked questions
How much does recovery cost with OnlineRefundee?
Nothing upfront. Our fee only becomes due when we secure a redress offer for you — typically a percentage of the amount recovered. Case assessment is free. No win, no fee. Full details in our fee structure page.
Is Smart-ISA the same as other scam brokers on your list?
Similar operational pattern, different corporate shells. Scam operators frequently rebrand — the same team behind Smart-ISA may operate other unregulated platforms under different names. We track cross-references between FCA-flagged brokers to strengthen your case.
How long until my funds return after Smart-ISA case is won?
Once the bank accepts liability or Financial Ombudsman Service (FOS) rules in your favour, funds typically arrive in your account within 14-30 days. Some banks are faster. We monitor the account and chase daily until funds land.
Free specialist review — 24-hour callback
Start free assessment → WhatsApp specialist →No upfront fees · we never ask for your bank login
Reviewed by Donald Scott, Head of Recovery, UK & Nordic Markets
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