Malawi: 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 6 providers in Malawi.
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 Malawi.
- 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
National Bank of Malawi
Bank- Call centre:626
- Head office:+265 111 820 622
Email: [email protected]
Standard Bank Malawi
Bank- Personal banking:247
- From abroad / general enquiries:+265 885 920 001
App or online: Use the feedback form on the bank's contact page
NBS Bank
Bank- Customer call centre:322
- Customer call centre:0888 800 322
- Head office:+265 (0) 111 812 222
Email: [email protected]
First Capital Bank Malawi
Bank- Toll-free (TNM and Airtel):4000
- Toll-free (MTL):01 830 000
- Customer care:+265 89 100 1111
App or online: Complaint escalation steps (PDF): https://www.firstcapitalbank.co.mw/wp-content/uploads/2026/06/Complaint-Escalation-Procedure-both-languages.pdf
Email: [email protected]
Airtel Money Malawi
Mobile money- Helpline (free from an Airtel mobile):121(24/7)
- From abroad:+265 999 900 121(24/7)
App or online: Contact form on airtel.mw
Email: [email protected]
TNM Mpamba
Mobile money- Call centre:105
- WhatsApp:0888 800 900
- Head office:+265 888 800 800
Not listed here
We could not confirm contact details on the official website of: FDH Bank. 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
Reserve Bank of Malawi: complaints handling
Complaints against banks and payment providers that the provider has not resolved.
Use the provider's own complaints and appeal process first. Then call the hotline 80 008 444 (MTL lines only) or email [email protected].
Official websiteMACRA consumer complaints (telecom)
Telecom service complaints, such as unlawful airtime deductions, that the operator failed to resolve. Mobile-money disputes go to the Reserve Bank instead.
Call 01 812 890 or email [email protected], quoting the operator's complaint reference number. MACRA aims to reply in writing within 14 days.
Official websiteYour rights
- RBM Complaints Handling Directive 2024 and Fair Treatment of Consumers Directive 2024. Reserve Bank rules on how banks and payment providers must handle complaints and treat customers fairly. Source
Report it to the police too
Banks often ask for a police report before they investigate. Cybercrime agencies in Malawi.
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.