Disclaimer

Everything on this site is general information. It is not legal advice, not financial advice, and not a recommendation to act. We are not a law firm and we are not authorised to practise law. Where a matter needs to be issued in a court or an ombudsman, we instruct independent solicitors or barristers in that jurisdiction, who advise you in their own capacity.

If a decision matters to you — a large sum, a legal deadline, a dispute with your bank — take independent advice before you act on anything you read here.

We do not promise that money will be returned to you, and no one who honestly does this work can. Whether a transfer can be traced and recovered depends on which institution holds the money, the law where it is held, how long ago it moved, and whether that institution is willing to act. Those are not things we control.

We do not use the words guaranteed, insured, risk-free, or protected to describe a recovery, and we will not do so in any future material either. Treat any firm that does as a warning sign.

A card payment can sometimes be reversed by the card scheme. A crypto transfer cannot. Once the transfer has settled on the blockchain there is nothing to reverse and no institution to reverse it with. Any firm offering a crypto chargeback, or describing one as straightforward, is describing something that does not exist.

We do not take on crypto recovery cases. We say this up front so nobody pays us to tell them something they were told differently elsewhere.

Solariem Trust Bank provides multi-currency accounts and asset recovery services. We hold money for customers, and money we recover on a case is credited to the account it belongs to. Our name contains the word "bank" because that is our registered name, not to imply anything about authorisations we hold. This page does not state which regulatory permissions we have, because we would rather you asked than read a claim we have not verified. Ask, and we will answer in writing.

Money held with us is not covered by the FSCS, the FDIC, or any other deposit guarantee scheme. We are not affiliated with, and do not act for, any regulator, police force, court, bank, or government body. If you are told we are, that person is wrong.

We charge a recovery fee of 15–25% of the amount that actually reaches you, at a rate agreed in writing before a case begins, and we charge no recovery fee if nothing is returned. Any other charge that applies is shown to you in the app with the amount before you authorise it.

This page is not the operative fee schedule. The agreement for a case is, and it is always given to you in writing before any work starts.

Where we describe a recovery, it happened. Where we show a client’s experience, it is that client’s, given to us in writing, and reproduced without editing beyond removing identifying details.

A past case is not a prediction about yours. Most cases do not succeed, and a firm that quotes you a success rate has either cherry-picked its history or is misleading you.

This site may link to, or quote from, other sites, including regulators, police forces, and financial institutions. We do not control them and we are not responsible for their content. A link is a convenience, not an endorsement.

Information about law and procedure is general and current as at the date shown. It may be out of date by the time you read it, and it does not apply in every jurisdiction.

This matters more than anything else on this page. Recovery fraud works in a specific way: someone who has already lost money is contacted by someone claiming to have their funds, and is then asked to pay an fee, tax, or release charge so the money can be sent to them. The first contact usually arrives by phone, email, or social media, and the caller already knows details about the original loss.

Before you send any money to anyone claiming to recover funds for you: search the name and number independently rather than using the link they sent you; check that the firm is registered with the appropriate regulator or ombudsman service; and ask for the fee in writing before you engage, not after.