Italy: 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 2 providers in Italy.
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 Italy.
- 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 Italy
- UniCredit asks you to file a police report after blocking a card that was used without your permission, and to send the bank a copy to confirm the block.
Bank and payment fraud lines
UniCredit
Bank- Block a debit card (free):800 575757
- Block a debit card, from abroad:+39 02 33408973
- Block a credit or prepaid card (free):800 078777
- Block a credit or prepaid card, from abroad:+39 045 8064686
- Digital wallets: Apple Pay, Google Pay, Samsung Pay (free):800 044662
- Digital wallets, from abroad:+39 02 89664912
App or online: Banca via Internet or Mobile Banking app: Carte › Blocco Carta.
Intesa Sanpaolo
Bank- Block a card (free from landlines and mobiles):800 303 303(24/7)
- Block a card, from abroad (charges apply):+39 011 80 19 200(24/7)
App or online: Intesa Sanpaolo Mobile app: Carte › suspend or block the card. To dispute a payment you did not make, request a refund (disconoscimento) in the app or at a branch.
Your 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 Italy lists who to report to, and our step-by-step guide covers the rest: How to Report Cybercrime in Italy (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.