Bank fraud with an "approved" payment transaction? We can pay a lot!

What happens when an account holder is tricked into voluntarily completing a particular transaction? For example, false information is given about a payment obligation in connection with a transaction. In such a case, the account holder initiates the transfer and enters the identification codes himself.
Consequently, the payment transaction is voluntarily initiated and executed, as the object of the deception was the transaction while the payment itself was made willingly.
In this case, it is an “approved” payment transaction and the relevant law no longer allows the account holder to recover the amount from the financial service provider. Unfortunately, the damage is borne by the account holder.
But are there any remedies available?
On the subject of banking law, our expert colleague has already written a number of former articles on fraud and the requirements of the necessary and expected precaution.
Now he outlines the “unapproved” and “approved” payment transactions, drawing the account holder’s attention to the risk and consequences of the crucial difference. The article is available in Hungarian.