if kena tipu, i don't think bank will refund..... because the problem is between you and seller..... bank just helping u to tranfer money from you to seller....

if you buy oversea i think it will be hard to find the con guy too..... had tried once kena con by some1 in indonesia..... can't do anything about it.... my tips.... don't bank it to individual account.... must get the seller company account....
if you buy it local at least you can make a police report and police will freeze the guys account and lock him up to question.....

hope this help a bit.....