Bulgaria: 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 3 providers in Bulgaria.
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 Bulgaria.
- 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 Bulgaria
- DSK Bank publishes no card-block number on the pages we could check: call the number on the back of your card.
Bank and payment fraud lines
UniCredit Bulbank
Bank- Card assistance (from a mobile):15 212(24/7)
- Card assistance (landline):02/933 7 212(24/7)
- Contact center:0700 1 84 84
- Contact center from abroad:+359 700 1 84 84
- Online and mobile banking support:15 333
United Bulgarian Bank (UBB)
Bank- Lost or stolen card:+3592 483 17 17(24/7)
- Short number (mobile):*71 71
- National line:0700 1 17 17
First Investment Bank (Fibank)
Bank- Card department (lost or stolen card):(02) 817 1143(24/7)
- Card department:(02) 817 1142(24/7)
- Card department (free from VIVACOM landlines only):0800 12 012(24/7)
- Contact center (mobile):*2265
- Contact center from abroad:+359 2 818 0007
Email: [email protected]
Not listed here
We could not confirm contact details on the official website of: DSK Bank, Postbank (Eurobank Bulgaria). 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.
Your 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 Bulgaria.
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.