Where the bank was based? Not all jurisdictions have the same banking standards.

ls15 · on Dec 29, 2022

Switzerland (I was as surprised as you are).

As far as I know, successful SEPA transactions are impossible to reverse. She was tricked during a weak moment into confirming via 2FA what she deemed a legit transaction, but as far as I can tell, she was on a fake banking website. The bank can claim willful negligence, which is hard (but maybe not impossible) to disprove.