Ecuador: 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 Ecuador.
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 Ecuador.
- 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
Banco Pichincha
Bank- Banca Telefónica (emergencies, blocking and fraud):(02) 2999 999(Emergencies 24/7; other requests daily 7am–10pm)
- WhatsApp:096 299 2999
App or online: Claims: online form on the 'Sugerencias y reclamos' page.
Email: [email protected]
Banco de la Producción (Produbanco)
Bank- Call centre (also WhatsApp):02 400 9000
App or online: Claims: online form on the customer service page.
Email: [email protected]
Banco Guayaquil
Bank- Banca Telefónica:(04) 37 30 100
Not listed here
We could not confirm contact details on the official website of: Banco del Pacífico. 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
Your bank's Defensor del Cliente
Each bank has a Defensor del Cliente, designated under the banking regulator, who mediates complaints between you and the bank.
Each bank must publish its Defensor's details. A free printable claims form ('Formulario de reclamos') is accepted at any branch.
Official websiteYour rights
- Maximum bank response times. Banks must resolve complaints within 15 days for domestic transactions and 40 days for international ones. Source
Report it to the police too
Banks often ask for a police report before they investigate. Cybercrime agencies in Ecuador lists who to report to, and our step-by-step guide covers the rest: How to Report Cybercrime and Online Fraud in Ecuador (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.