# AI incidents at banks in 2025

Source: https://www.bankingnewsai.com/ai-incidents/year/2025
Last updated: Oct 21, 2026

## How many AI incidents did banks have in 2025?

As of Oct 21, 2026, the register holds 16 publicly reported AI incidents at banks and fintechs dated 2025. 10 of the 16 records involve systems the institution or a regulator described as AI; 0 are automated systems not described as AI, and 6 are machine-learning systems not labelled AI on the record. Countries: United States (4), Australia (1), Brazil (1). Average severity 1.8 on a 1–5 scale. Status: 2 reported, 7 confirmed by the institution, 1 regulator finding, 2 court filing, 1 settled, 3 resolved. The most recent is "PKO BP warns that criminals use AI to forge bank employee IDs in impersonation scams" (Dec 9, 2025).

| Date | Institution | Incident | AI? | Role | Category | Severity | Status |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Dec 9, 2025 | PKO Bank Polski | [PKO BP warns that criminals use AI to forge bank employee IDs in impersonation scams](https://www.bankingnewsai.com/ai-incidents/pko-bp-2025-ai-fake-employee-ids) | AI (stated) | AI used against the institution | Brand impersonation | 1/5 | Confirmed by the institution |
| Nov 4, 2025 | Upstart | [Upstart says its AI underwriting model over-reacted to macro signals, cutting approvals; investors sue](https://www.bankingnewsai.com/ai-incidents/upstart-2025-model-22-overreaction) | AI (stated) | Institution's own AI | Credit decisioning | 3/5 | Court filing |
| Sep 2, 2025 | Banco Popular Dominicano | [Banco Popular Dominicano reports a generative-AI deepfake of its executive president](https://www.bankingnewsai.com/ai-incidents/banco-popular-dominicano-2025-ceo-deepfake) | AI (stated) | AI used against the institution | Brand impersonation | 1/5 | Confirmed by the institution |
| Jul 29, 2025 | Commonwealth Bank of Australia | [Commonwealth Bank reverses 45 job cuts it attributed to an AI voice bot](https://www.bankingnewsai.com/ai-incidents/commonwealth-bank-ai-voice-bot-job-cuts-reversed) | AI (stated) | Institution's own AI | AI job-cut reversal | 2/5 | Resolved |
| Jul 10, 2025 | Earnest Operations LLC | [Massachusetts AG settles with student lender Earnest for $2.5m over AI underwriting disparate impact](https://www.bankingnewsai.com/ai-incidents/earnest-2025-ai-underwriting-settlement) | AI (stated) | Governance finding | Bias finding | 3/5 | Settled |
| Jul 2025 | Banco Santander | [Deepfake ads clone Santander chair Ana Botín's voice to push fake investment platforms](https://www.bankingnewsai.com/ai-incidents/santander-2025-botin-deepfake-investment-ads) | ML (inferred) | AI used against the institution | Brand impersonation | 1/5 | Reported |
| Jun 17, 2025 | Bank of Montreal (BMO Financial Group) | [Instagram ads use AI deepfakes of BMO strategist Brian Belski to lure investors](https://www.bankingnewsai.com/ai-incidents/bmo-group-2025-belski-deepfake-investment-ads) | ML (inferred) | AI used against the institution | Brand impersonation | 1/5 | Reported |
| May 8, 2025 | Klarna | [Klarna resumes hiring human agents after AI-first customer service produced 'lower quality'](https://www.bankingnewsai.com/ai-incidents/klarna-2025-ai-customer-service-reversal) | AI (stated) | Institution's own AI | AI job-cut reversal | 2/5 | Confirmed by the institution |
| Apr 28, 2025 | JPMorgan Chase Bank, N.A. | [Class action alleged JPMorgan's HireVue AI video interviews were an unlawful lie-detector test](https://www.bankingnewsai.com/ai-incidents/jpmorgan-chase-2025-hirevue-lie-detector-suit) | AI (stated) | Governance finding | Litigation | 2/5 | Court filing |
| Apr 11, 2025 | Nubank (Nu Holdings) | [Deepfake videos push a fake 'Nubank indemnity' scam in Brazil](https://www.bankingnewsai.com/ai-incidents/nubank-2025-deepfake-indemnity-scam) | ML (inferred) | AI used against the institution | Brand impersonation | 1/5 | Confirmed by the institution |
| Apr 2025 | Goldman Sachs | [Deepfakes of Goldman strategists David Kostin and Abby Joseph Cohen used in Instagram stock-tip scams](https://www.bankingnewsai.com/ai-incidents/goldman-sachs-2025-strategist-deepfake-ads) | ML (inferred) | AI used against the institution | Brand impersonation | 1/5 | Confirmed by the institution |
| Apr 1, 2025 | Kotak Mahindra Bank | [AI-manipulated video of Uday Kotak promoting an investment scheme goes viral](https://www.bankingnewsai.com/ai-incidents/kotak-2025-uday-kotak-deepfake-video) | ML (inferred) | AI used against the institution | Brand impersonation | 1/5 | Confirmed by the institution |
| Mar 26, 2025 | HSBC (Singapore) | [Deepfake Zoom call leads a Singapore finance director to wire US$499,000 from an HSBC account; funds recovered](https://www.bankingnewsai.com/ai-incidents/hsbc-2025-singapore-deepfake-cfo-wire) | AI (stated) | AI used against the institution | Deepfake fraud | 2/5 | Resolved |
| Mar 20, 2025 | ABN AMRO Bank N.V. | [Man used deepfaked selfies and ID photos to open 47 ABN AMRO accounts in other people's names](https://www.bankingnewsai.com/ai-incidents/abn-amro-2025-deepfake-selfie-accounts) | AI (stated) | AI used against the institution | Deepfake fraud | 3/5 | Resolved |
| Jan 22, 2025 | Kakao Pay | [Korea fines Kakao Pay KRW 5.97bn for sending 40m users' data to Alipay to build a credit-risk scoring model](https://www.bankingnewsai.com/ai-incidents/kakao-pay-2025-alipay-credit-score-data-fine) | ML (inferred) | Governance finding | Regulatory finding | 3/5 | Regulator finding |
| Jan 21, 2025 | DNB Bank | [Deepfaked DNB executives in a fake Teams meeting try to get Singapore staff to pay out millions](https://www.bankingnewsai.com/ai-incidents/dnb-2025-deepfake-cfo-teams-call) | AI (stated) | AI used against the institution | Deepfake fraud | 1/5 | Confirmed by the institution |

The register: https://www.bankingnewsai.com/ai-incidents

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