If you think you've been scammed, report it to the police or relevant authority in your country, as well as to Xe. Reporting helps investigations and protects other people, even when it can't get your money back.
Before you report to authorities
Stop any further contact or payments, report it to Xe if a transfer or your Xe account was involved, and contact your bank or any other payment provider promptly. Keep the messages, screenshots, payment details, and reference numbers involved — see "What should I do in the first 24 hours?" for the full list of what to preserve.
If you're in immediate danger, or a crime is in progress, contact your local emergency service directly rather than relying on an online report alone.
What reporting can and can't do
Reporting helps authorities spot patterns and can support investigation, prevention, and victim support. It doesn't guarantee your money will be recovered, and not every report leads to an investigation. Keep working with Xe and your bank while you follow any instructions the reporting authority gives you.
United Kingdom
In England, Wales, and Northern Ireland, report fraud and cybercrime to Action Fraud online, or by calling 0300 123 2040. In Scotland, report to Police Scotland by calling 101 for non-emergencies. Call 999 if you're in immediate danger.
If an investment or financial services firm is involved, check it using the FCA Firm Checker and Warning List — use contact details from the FCA's own records, not ones the firm or website gave you.
If your identity documents or personal information may have been exposed, contact the organisations affected promptly, follow current UK identity-protection guidance, and monitor your financial accounts and credit information for anything you don't recognise.
United States
Report scams and consumer fraud to the Federal Trade Commission. Internet-enabled fraud can also be reported to the FBI's Internet Crime Complaint Center. Contact local law enforcement where appropriate.
If your identity information was misused, use the official federal identity-theft recovery service to report it and get a recovery plan. For financial products or services, your state or federal regulator may also take a complaint.
Australia
Report scams through Scamwatch, and cyber incidents through the Australian Cyber Security Centre. Contact police if the incident needs police involvement or there's immediate risk to your safety.
If a financial product or provider is involved, check it using official Australian registers and use the relevant complaint or dispute-resolution route.
If your personal information was exposed, follow Australia's official identity-protection and cyber-support guidance, and contact the organisations that issued any affected documents.
Canada
Report fraud and cybercrime to the Canadian Anti-Fraud Centre. Contact your local police as soon as possible if you've been a victim of fraud or cybercrime, and call 911 if you're in immediate danger.
Contact your bank or other affected financial institutions promptly. If your identity information was exposed, contact the organisations that issued any compromised documents, monitor your financial accounts and credit reports, and consider placing a fraud alert with Equifax and TransUnion.
New Zealand
Report cyber security incidents, including online scams and fraud, to the National Cyber Security Centre. For non-emergency fraud, scams, or suspicious behaviour, make an online report to New Zealand Police or call 105, available 24/7.
Report suspected investment or financial scams to the Financial Markets Authority. Netsafe also offers support and reporting guidance for online scams and harmful activity.
Contact your bank, card issuer, or payment provider immediately if money was sent or your account details may be compromised. If personal information was disclosed, contact the organisations that issued the affected documents and follow current official identity-protection advice.
Key takeaway
Report to your local authority as well as to Xe, even if you're not certain it's fraud or no money was lost. It helps investigations and protects other people, even where recovery isn't possible.