Romance Scam Recovery in Serbia
Lost money to romance scam in Serbia? TrustUs Recovery Ltd helps victims pursue recovery through the correct legal and financial channels for Serbia — honestly, and with no guarantee dressed up as a promise.
Start your free case assessmentHow romance scam works
A romance scam uses a fabricated relationship — usually formed on a dating app or social network — to build trust over weeks or months. The 'partner' then engineers a crisis (medical bills, travel, customs charges) or introduces a 'can't-miss' investment, prompting transfers that grow over time.
Warning signs
- Refuses or always cancels video calls
- Professes love unusually quickly
- Always has an emergency that needs money
- Asks for gift cards, crypto or wire transfers
- Story details quietly change over time
The recovery framework in Serbia
In Serbia, the bodies and rules most relevant to your case are:
| Financial regulator | National Bank of Serbia (NBS) |
|---|---|
| Dispute resolution / ombudsman | NBS — Financial Consumer Protection Department (no standalone ombudsman) |
| Currency | RSD |
| SEPA zone | yes |
Visa/Mastercard chargebacks under scheme rules. Serbia joined SEPA schemes (geographic scope May 2025; banks operational from 2026), reducing euro-transfer costs. NBS supervises banks/payments and enforces consumer protection.
If you paid a bank in Serbia — for example Banca Intesa Beograd, OTP banka Srbija or Raiffeisen banka Beograd — contact its fraud team as soon as possible, as a recall is far more likely while the money is still there.
Can you get your money back?
For romance scam cases in Serbia, the primary route is usually wire / swift recovery. An international wire recovery uses a recall message from your bank and, where needed, correspondent banks and the beneficiary bank's fraud team to freeze and return the funds.
Where the facts allow, we also pursue card chargeback (visa / mastercard) as a secondary route.
Where money was wired or sent to a bank account, a prompt recall request and bank fraud complaint come first; gift-card and crypto payments require tracing. Acting quickly improves the chance of an intercept.
Evidence to gather now
The stronger your evidence, the better your prospects. For romance scam, gather:
- Profile details and where you first met
- Message and call logs
- Every payment sent (method, dates, amounts, recipient)
- Photos they shared (for reverse-image checks)
- Any documents they sent (IDs, contracts)
The recovery process
- Free assessment. We review how, when and to whom the funds were sent.
- Evidence pack. We assemble transaction records, communications and platform details.
- Action. We initiate the relevant route — wire / swift recovery or card chargeback (visa / mastercard) — and engage the bank, provider or exchange.
- Escalation. Where needed, we escalate to NBS — Financial Consumer Protection Department (no standalone ombudsman) or National Bank of Serbia (NBS).
Why acting fast matters
Speed is critical — recalls are far more effective within the first 24–72 hours. Recovery prospects fall sharply once funds are withdrawn or moved across borders, so the sooner you start, the stronger your position. Even older cases can be worth assessing — but do not wait to find out.
Frequently asked questions
Can I recover money lost to romance scam in Serbia?
Where money was wired or sent to a bank account, a prompt recall request and bank fraud complaint come first; gift-card and crypto payments require tracing. Acting quickly improves the chance of an intercept. In Serbia, support can also come from a complaint to NBS — Financial Consumer Protection Department (no standalone ombudsman) where a regulated entity is involved. TrustUs Recovery Ltd assesses your case for free and explains the realistic routes.
Do you guarantee recovery, and what does it cost?
No. TrustUs Recovery Ltd never guarantees recovery and never asks for an upfront fee to 'release' funds — that is a hallmark of a recovery scam. We give a free, honest assessment first and are transparent about any costs.
How quickly should I act?
As soon as possible. Speed is critical — recalls are far more effective within the first 24–72 hours.
What evidence do I need for a romance scam case?
Useful evidence includes: Profile details and where you first met; Message and call logs; Every payment sent (method, dates, amounts, recipient); Photos they shared (for reverse-image checks); Any documents they sent (IDs, contracts).
Who regulates financial services in Serbia?
National Bank of Serbia (NBS) is the relevant financial regulator in Serbia, and consumer disputes can be taken to NBS — Financial Consumer Protection Department (no standalone ombudsman).
Lost money to romance scam in Serbia?
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