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KKO VL:2025-75 AI generated

Supreme Court allows appeal on whether bank customer acted negligently after unauthorized foreign transfer due to fraud.

Case Number KKO VL:2025-75
Court / Authority
Jurisdiction Finland (FI)
Decision Date
Outcome Allowed / Granted
Open official source Machine-readable Markdown (.md)

Legislator summary

AI generated

The Supreme Court granted leave to appeal regarding a bank customer's liability for unauthorized foreign transfers resulting from fraud. The core issue is whether the customer acted with gross negligence by failing to detect the fraudulent transaction. The court decided to allow the appeal to determine the specific standard of care required in such banking fraud scenarios.

Legislator headnote

AI generated

Section 10 of the Act on Liability for Damages; Section 2 of the Act on Liability for Damages: A bank customer may be held liable for damages caused by unauthorized transfers if they acted with gross negligence, but the burden of proving the customer's fault lies with the claimant.

Keywords

AI generated
gross negligence standard unauthorized bank transfer fraud victim liability bank customer duty civil liability damages

Cited Legislation

AI generated
Section 10 of the Act on Liability for Damages
Section 2 of the Act on Liability for Damages
AI generated
ECLI:FI:KKO:2018:71
Supreme Court dismisses appeal; client's negligence not gross due to office security context.
kko-precedent_1993_167
Supreme Court allows return of payment for expired bill when bank failed to prove claim under bill of exchange law.
appeal_1983_kouvola__732
Court dismisses fraud charge where defendant used credit card to make purchases exceeding available funds.
kko-leave_2025_80
Supreme Court dismisses appeal regarding the conditions for not imposing a converted penalty sentence.
ECLI:FI:KKO:2026:31
Supreme Court allows damages claim against money launderer for weakening victim's recovery chances.

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Full text

Pankin asiakkaana olevan maksupalvelun käyttäjän pankkitililtä oli häneen

kohdistuneen huijauksen seurauksena siirretty varoja ulkomaille.

Kysymys siitä, oliko maksupalvelun käyttäjä antanut suostumuksensa maksutapahtumaan,

tai mikäli ei ollut, oliko hän toiminut tilanteessa törkeän huolimattomasti.

Valituslupakortti sisältää kuvauksen siitä kysymyksestä, johon liittyen asiassa on

myönnetty valituslupa. Sen sisältö ei sido korkeinta oikeutta eikä rajoita asian

käsittelyä siltä osin kuin valituslupa on myönnetty.