Croatia: 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 Croatia.
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 Croatia.
- Keep everything: messages, call logs, screenshots and transaction IDs. Your bank will never ask for your PIN, password or a one-time code.
Bank and payment fraud lines
Zagrebacka banka (UniCredit)
Bank- Lost or stolen card:01 3789 789(24/7)
- Lost token or mobile phone (e-banking):01 3789 888(24/7)
- Info line:01 3773 333
Email: [email protected]
Privredna banka Zagreb (PBZ, Intesa Sanpaolo)
Bank- PBZ Card contact center (Maestro, Mastercard, Visa):01/48 91 333
- PBZ Card contact center:01/61 24 333
- Info line:0800 365 365
- Info line from abroad:+385 1 489 13 10(Mon–Fri 8:00–20:00, Sat 8:00–16:00)
Email: [email protected]
OTP banka Hrvatska
Bank- Emergency (lost card, block online banking):0800 21 00 21(24/7)
- Emergency (from mobile or abroad):+385 21 34 72 00(24/7)
- Contact centre:0800 210 021
- Contact centre from abroad:+385 21 55 91 10
Email: [email protected]
Not listed here
We could not confirm contact details on the official website of: Raiffeisenbank Austria (RBA), Erste&Steiermarkische Bank. 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
Croatian National Bank (HNB): right to complain
Complain to the central bank if your bank does not resolve your complaint.
Complain to your bank first; it has 15 days to reply.
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 Croatia lists who to report to, and our step-by-step guide covers the rest: How to Report Cybercrime and Online Fraud in Croatia (2026).
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.