S-Pankki Fraud: How to Report It and Stop the Money
If money left your S-Pankki account without your permission, or you paid a scammer, contact S-Pankki straight away and ask it to block the payment and your card. The first minutes matter most.
Do this first
- Call S-Pankki’s official line below, or use help inside the official S-Pankki 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. S-Pankki will never ask for your PIN, password or a one-time code.
- Report it to the police too: see who handles cybercrime in Finland, and keep screenshots of every message and payment.
Official S-Pankki fraud contacts
S-Pankki
Bank- Block card (shared card closure service):020 333(24/7)
- Block online banking codes:09 6964 6820(24/7)
- Block card, from abroad:+358 20 333(24/7)
- Backup number from abroad:+358 800 1 2400
App or online: Close the card in the mobile or online bank.
Report phishing: [email protected]
If S-Pankki won’t help
FINE (Finnish Financial Ombudsman Bureau) and its Banking Complaints Board
Free advice on payment cards, card blocking, phishing and fraud. Its Banking Complaints Board handles disputes with banks.
FIN-FSA (Finanssivalvonta)
General guidance on payment cards and scams. It cannot settle your dispute with a bank.
Contact your bank first.
Official websiteYour rights as a S-Pankki customer in Finland
- Finnish payment services law: unauthorised card use. You are not liable for unauthorised transactions if you took normal care and followed the card terms, and your liability ends once you tell the bank. If you were careless, you pay at most EUR 50. That cap does not apply to gross negligence or intent. Source
Report it to the police too
Cybercrime agencies in Finland lists who to report to, and our step-by-step guide covers the rest: How to Report Cybercrime and Online Fraud in Finland (2026).
Common questions about S-Pankki fraud
- What is the S-Pankki fraud helpline number?
- S-Pankki lists these numbers on its own website: Block card (shared card closure service): 020 333 (24/7); Block online banking codes: 09 6964 6820 (24/7); Block card, from abroad: +358 20 333 (24/7); Backup number from abroad: +358 800 1 2400. Always dial the number printed on your card or shown in the official app if you are unsure.
- How do I report fraud to S-Pankki?
- Call S-Pankki's official line, or report it in the app or online: Close the card in the mobile or online bank.. 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 S-Pankki will not help or refund me?
- In Finland you can complain to FINE (Finnish Financial Ombudsman Bureau) and its Banking Complaints Board, FIN-FSA (Finanssivalvonta). Details of what each one handles are on this page.
Other providers in Finland
OP Financial GroupNordea FinlandDanske Bank FinlandFinnish card closure service
These contacts were read on S-Pankki’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 S-Pankki and cannot recover money. All Finland providers are in Bank Fraud Help: Finland.