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Our team recovers funds for cryptocurrency exchange scam victims across UK, EU and Nordics. Free case check, no win no fee, honest odds upfront.
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Our refund process for Vault Credit Bank victims
- 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 Vault Credit Bank. 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.
🇬🇧 Why FCA flagged Vault Credit Bank
Vault Credit Bank is operating without authorisation from the FCA (UK). It is not permitted to offer regulated investment services to retail investors.
Official warning published on 24 July 2026.
- Website: https://www.vaultcreditb.com
Is Vault Credit Bank still online?
We check this site every morning. On 3 August 2026 it was still responding at www.vaultcreditb.com. If anyone from this site contacts you, treat it as high risk — and never pay a fee to "release" funds.
What we know about Vault Credit Bank
The FCA (UK) has placed Vault Credit Bank on its warning list as an unauthorised firm operating without a licence. The firm operated the website www.vaultcreditb.com. If you deposited money with Vault Credit Bank, a free case review will tell you honestly whether it can be recovered.
Full guide: How to recover money lost to a crypto scam →
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Message us on WhatsAppHow this scam works
Vault Credit Bank was added to FCA's watchlist because it is not authorised to provide investment services in UK. Unregulated brokers use offshore payment processors and shell companies to move victim funds fast — but PSD2 rules and Financial Ombudsman Service (FOS) give you real recovery routes.
Red flags to recognize
- Trading platform shows unrealistic profits that always go up (fake pricing engine)
- Impossible to withdraw even small test amounts — always some technical issue
- Aggressive sales tactics: told you the opportunity closes today
- Provided a "personal account manager" who chats daily to build trust
- Encouraged you to hide the investment from family or bank staff
Recovery timeline for this case type
Recovery from Vault Credit Bank 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 PSR CRM Code + PSD2 Reg 90. If the bank refuses, we escalate to Financial Ombudsman Service (FOS) within 72 hours. Ombudsman decisions typically take 3-4 additional months. In parallel we coordinate criminal reporting.
Frequently asked questions
Is Vault Credit Bank the same as other scam brokers on your list?
Similar operational pattern, different corporate shells. Scam operators frequently rebrand — the same team behind Vault Credit Bank 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 Vault Credit Bank 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.
Can I still recover from Vault Credit Bank if the loss was more than a year ago?
Yes, in many cases. PSD2 rules and consumer protection law under PSR CRM Code + PSD2 Reg 90 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.
Free specialist review — 24-hour callback
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Reviewed by Donald Scott, Head of Recovery, UK & Nordic Markets
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