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 int

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.