OTP banka Hrvatska Fraud: How to Report It and Stop the Money
If money left your OTP banka Hrvatska account without your permission, or you paid a scammer, contact OTP banka Hrvatska straight away and ask it to block the payment and your card. The first minutes matter most.
Do this first
- Call OTP banka Hrvatska’s official line below, or use help inside the official OTP banka Hrvatska app. Never use a number from a text, a caller or a search result.
- Give them the transaction details (amount, time, and the account or number you paid) and ask them to block your card and stop or recall the payment.
- Change your online banking password and PIN if anyone may know them. OTP banka Hrvatska will never ask for your PIN, password or a one-time code.
- Report it to the police too: see who handles cybercrime in Croatia, and keep screenshots of every message and payment.
Official OTP banka Hrvatska fraud contacts
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]
If OTP banka Hrvatska 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 as a OTP banka Hrvatska customer in Croatia
- 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
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).
Common questions about OTP banka Hrvatska fraud
- What is the OTP banka Hrvatska fraud helpline number?
- OTP banka Hrvatska lists these numbers on its own website: 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. Always dial the number printed on your card or shown in the official app if you are unsure.
- How do I report fraud to OTP banka Hrvatska?
- Call OTP banka Hrvatska's official line, or report it by email: [email protected]. Tell them the amount, the time and the account the money went to, and ask them to block your card or the payment.
- What if OTP banka Hrvatska will not help or refund me?
- In Croatia you can complain to Croatian National Bank (HNB): right to complain. Details of what each one handles are on this page.
Other providers in Croatia
These contacts were read on OTP banka Hrvatska’s own website on 3 October 2026. If a number has changed, use the one in the official app and tell us. Ministry of Cyber Affairs is not OTP banka Hrvatska and cannot recover money. All Croatia providers are in Bank Fraud Help: Croatia.