Belgium: How to Report Bank Fraud
If money left your account without your permission, or you were tricked into sending it, contact your bank or payment provider straight away. The faster they hear from you, the better the chance of stopping or recovering the money. Below are the official fraud and card lines for 2 providers in Belgium.
Do this first
- Call your bank’s fraud or card line now. Use a number from this page, the back of your card, or your bank’s official app. Never use a number from a text, an email, a caller or a search ad.
- Block your card or freeze your account in the app if you can, and change your online banking password.
- Ask the bank for a reference number, and write down the time you reported it.
- Report it to the police as well: see who handles cybercrime in Belgium.
- Keep everything: messages, call logs, screenshots and transaction IDs. Your bank will never ask for your PIN, password or a one-time code.
Know this about Belgium
- Forward phishing emails and messages to [email protected], the national reporting address.
Bank and payment fraud lines
KBC
Bank- Card Stop (permanent block):078 170 170(24/7)
- Card Stop from abroad:+32 78 170 170(24/7)
- KBC fraud department (Secure4u):016 432 000(24/7)
App or online: KBC Mobile: My KBC › Means of payment › choose the card › Block, replace or cancel.
Belfius
Bank- Fraud line (if you shared a code or confidential details):02 222 46 00(24/7)
- Card Stop (permanent block):078 170 170(24/7)
- Card Stop from abroad:+32 78 170 170(24/7)
App or online: Belfius Mobile app: block the card temporarily (it lifts after 14 days) or permanently.
Report phishing: [email protected]
Not listed here
We could not confirm contact details on the official website of: BNP Paribas Fortis, ING Belgium. Rather than risk a wrong number, we leave them out. Use the number printed on your card or shown in the provider’s official app.
If your bank won’t help
Card Stop (national block service)
Permanently blocks any debit, credit or prepaid card, plus Bancontact Pay, Apple Pay and Google Pay, whatever your bank.
Call 078 170 170, or +32 78 170 170 from abroad. Available 24/7 in Dutch, French and English.
Official websiteOmbudsfin (financial mediation service)
Free mediation of disputes with Belgian banks.
Complain to your bank first. If it has not resolved it within about a month, write to Ombudsfin through its online form or at [email protected]. Handling takes up to 90 days.
Official websiteYour rights
- EU Payment Services Directive (PSD2, Directive 2015/2366), Articles 73–74. Your bank must refund an unauthorised payment promptly, normally by the end of the next business day, unless it suspects fraud. If a lost, stolen or misused card or payment details were involved, your loss is capped at EUR 50, unless you acted fraudulently or with gross negligence. Payments you approved yourself, even if you were tricked, are usually not covered. Source
Report it to the police too
Banks often ask for a police report before they investigate. Cybercrime agencies in Belgium lists who to report to, and our step-by-step guide covers the rest: How to Report Cybercrime in Belgium (and Get Your Money Back).
Every number on this page was read on the provider’s or regulator’s own website on 3 October 2026. Banks change numbers, so if one doesn’t work, use the number on your card or in the official app, and tell us so we can fix it. See every country in the Bank Fraud Help directory.