Estonia: 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 4 providers in Estonia.
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 Estonia.
- 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
Swedbank Estonia
Bank- Fraud, suspicious payments or compromised internet bank:+372 6 310 310(24/7)
- Business customers:6 132 222
SEB Estonia
Bank- Block cards or internet bank, report fraud:+372 665 5100(24/7)
Email: [email protected]
LHV Pank
Bank- Suspicious payments, or if you cannot block your card yourself:6 800 400
App or online: In the LHV app or internet bank: open the card details to block or close the card.
Email: [email protected], [email protected]
Coop Pank
Bank- Block card or internet bank access:+372 669 0966(24/7)
App or online: Block or close the card in the internet bank or app.
Email: [email protected]
Report phishing: [email protected]
Not listed here
We could not confirm contact details on the official website of: Luminor Estonia. 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
Finantsinspektsioon (Financial Supervision Authority)
Independent advice, and it can look into how a bank behaved. It cannot settle your individual dispute.
Contact the bank first. Then use the online form with your details, the bank's name, the date, what happened, what you want, and transaction documents. It replies within 15 calendar days. Phone +372 668 0500.
Official websiteConsumer Disputes Committee (Tarbijavaidluste komisjon)
Settles disputes between consumers living in Estonia and traders, including financial service providers.
Try to resolve the dispute with the bank first, then apply through the authority's website.
Official websiteReport it to the police too
Banks often ask for a police report before they investigate. Cybercrime agencies in Estonia.
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.