My guess would be that under EU protection you can’t deny having willingly provided the money, and ask the bank to take it back just because you don’t feel it

My guess would be that under EU protection you can’t deny having willingly provided the money, and ask the bank to take it back just because you don’t feel it was worth it anymore. The claim would go through the police or a formal fraud complaint, and you’d be basically pursuing the fraudster in small claims.