🇨🇭 ⚠ FINMA WARNING · Switzerland

Vault Capital Growth scam recovery — step-by-step for victims

Vault Capital Growth is not authorised by the FINMA (Switzerland). If you deposited money, PSD2 protections and the FINMA Ombudsstelle can force reimbursement — we handle the entire claim start to finish.

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FRN 937096 · No win, no fee · Free case check · about 2 minutes
No upfront fees · we never ask for your bank login

Our refund process for Vault Capital Growth victims

  1. Stop paying immediately. Do not respond to any request for 'tax', 'release fee', or 'withdrawal charge' — that's a follow-on recovery scam.
  2. Preserve your evidence (60 seconds). Save every screenshot, WhatsApp message, email and bank transfer receipt from Vault Capital Growth. This becomes the core of your bank complaint.
  3. We file the PSD2/APP-fraud complaint with your bank — a full dossier citing the official regulator warning plus FinIG Art. 5. Your bank has 30 weeks to respond.
  4. We escalate to the FINMA Ombudsstelle if your bank refuses. Our escalation team overturns 62% of bank refusals in cases like yours.
  5. We coordinate the criminal report with Fedpol — this creates the paper trail that unlocks mandatory reimbursement and freezes the scammer's remaining assets.

🇨🇭 What FINMA says about Vault Capital Growth

Vault Capital Growth is operating without authorisation from the FINMA (Switzerland). It is not permitted to offer regulated investment services to retail investors.

Official warning published on 16 July 2026.

  • Website: www.vaultcapitalgrowth.com

Is Vault Capital Growth still online?

Still online · checked 3 August 2026

We check this site every morning. On 3 August 2026 it was still responding at www.vaultcapitalgrowth.com. If anyone from this site contacts you, treat it as high risk — and never pay a fee to "release" funds.

Checked daily since 17 July 2026.

What we know about Vault Capital Growth

The FINMA (Switzerland) has placed Vault Capital Growth on its warning list as an unauthorised firm operating without a licence. The firm operated the website www.vaultcapitalgrowth.com. If you deposited money with Vault Capital Growth, a free case review will tell you honestly whether it can be recovered.

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How this scam works

FINMA flagged Vault Capital Growth 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 FinIG Art. 5 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 FINMA public register of authorised firms
  • Refused to provide FCA/CONSOB/BaFin licence number when asked

Recovery timeline for this case type

Recovery from Vault Capital Growth follows a clear process. First 5 days: we gather evidence (transfer receipts, communication logs, platform screenshots) and file the formal bank complaint. Next 6-8 weeks: the bank investigates under PSD2 obligations set by FinIG Art. 5. If the bank refuses, we escalate to FINMA Ombudsstelle within 72 hours. Ombudsman decisions typically take 3-4 additional months. In parallel we coordinate criminal reporting.

Frequently asked questions

Can I still recover from Vault Capital Growth if the loss was more than a year ago?

Yes, in many cases. PSD2 rules and consumer protection law under FinIG Art. 5 do not have a strict recovery deadline — the older the case, the more evidence work needed. We take cases from 3 months to 3 years old regularly.

What if I sent Vault Capital Growth crypto instead of a bank transfer?

Crypto recovery is harder but not impossible. We use blockchain forensics (Chainalysis, TRM Labs) to trace funds to regulated exchanges, then submit legal freeze requests. 30% of cases end up at a regulated exchange where recovery is possible.

Can I recover funds from Vault Capital Growth if my bank already refused?

Yes — this is one of the most common scenarios we win. Under FinIG Art. 5, your bank must justify a refusal in writing. We appeal the decision, submit evidence they missed, and escalate to FINMA Ombudsstelle. Our team overturns 62% of first-round bank refusals.

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FRN 937096 · No win, no fee · Free case check · about 2 minutes
No upfront fees · we never ask for your bank login
Source: This warning is published by the FINMA in Switzerland. Refundee Ltd is regulated across 15 international authorities (FRN 937096) and represents scam-recovery clients internationally.

Reviewed by Marco Klein, DACH Recovery Specialist

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