[Symbiote]

It seems unfair to other customers of the bank to require the bank to "return" 75% of the money.

This should be a matter for business insurance.

[graemep]

Small businesses will often not have business insurance, and private individuals will not.

I doubt insurance covers this sort of thing though.

ti is quite annoying getting "is this a fraud?" warnings on every transfer - even small amounts to my kids!