Luxembourg: 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 Luxembourg.
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 Luxembourg.
- 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 Luxembourg
- Spuerkeess, BGL BNP Paribas and BIL all block lost or stolen cards through Worldline on +352 49 10 10, 24/7.
Bank and payment fraud lines
Spuerkeess (BCEE)
Bank- Card blocking (Worldline):+352 49 10 10(24/7)
App or online: To block only your online banking access, not your cards, you can do it yourself in S-Net.
BGL BNP Paribas
Bank- Card fraud blocking (Worldline):+352 49 10 10(24/7)
- Customer service and LuxTrust issues:+352 4242-2000(Mon–Fri 8am–6pm)
App or online: Send a secure message from Web Banking, or use the app menu for out-of-hours card fraud.
BIL (Banque Internationale à Luxembourg)
Bank- Card blocking (Worldline):+352 49 10 10(24/7)
- Client Care Center (fraud):+352 4590-5000(Mon–Fri 8:30am–6pm)
App or online: In the BILnet app: select the card › Gestion, or Contact › Bloquer ma carte. You can also block or suspend your LuxTrust certificate.
Not listed here
We could not confirm contact details on the official website of: Banque Raiffeisen. 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
CSSF customer complaints (out-of-court resolution)
Free out-of-court resolution of complaints against banks and payment providers supervised by the CSSF.
Complain in writing to the bank first. If you have no satisfactory answer within one month, file with the CSSF within one year of your complaint to the bank, using the online form or [email protected].
Official websiteYour rights
- EU Payment Services Directive (PSD2). Your bank must refund an unauthorised payment promptly, normally by the end of the next business day, unless it suspects 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 Luxembourg.
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.