France: 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 France.
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 France.
- Keep everything: messages, call logs, screenshots and transaction IDs. Your bank will never ask for your PIN, password or a one-time code.
Know this about France
- BNP Paribas's 3477 is a customer service line with limited hours. For a lost or stolen card, use its 24/7 line (00 33) 01 40 14 44 00 instead.
Bank and payment fraud lines
BNP Paribas
Bank- Lost or stolen card (France and abroad):(00 33) 01 40 14 44 00(24/7)
- Block (oppose) a card, from France (customer service):3477(Mon–Fri 8am–10pm, Sat 8am–6pm)
App or online: Customer area on mabanque.bnpparibas: Urgence › Opposer ma carte. The same menu lets you dispute a card payment.
Societe Generale
Bank- Lost or stolen card:09 69 39 77 77
App or online: Espace Client or SG app: Carte › select card › Opposition. Available online 24/7; the card is blocked as soon as you confirm, and the block is final.
Report phishing: [email protected]
Credit Agricole
Bank- Lost or stolen card:09 69 39 92 91
- From abroad:(+33) 9 69 39 92 91
If your bank won’t help
Perceval (online card fraud reporting)
Report fraudulent online card payments if you still have your card, did not approve the payments and have already blocked (opposed) the card.
Free, in French, with a FranceConnect login. Have your opposition number, card number and bank statements ready.
Official websiteYour rights
- EU Payment Services Directive (PSD2), Articles 73 and 74. Your bank must refund an unauthorised payment immediately, and no later than the end of the next business day after it learns of it, unless it has reasonable grounds to suspect 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 France lists who to report to, and our step-by-step guide covers the rest: How to Report a Scam or Cybercrime in France (and Get Your Money Back).
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.