First Capital Bank Malawi Fraud: How to Report It and Stop the Money
If money left your First Capital Bank Malawi account without your permission, or you paid a scammer, contact First Capital Bank Malawi straight away and ask it to block the payment and your card. The first minutes matter most.
Do this first
- Call First Capital Bank Malawi’s official line below, or use help inside the official First Capital Bank Malawi 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. First Capital Bank Malawi will never ask for your PIN, password or a one-time code.
- Report it to the police too: see who handles cybercrime in Malawi, and keep screenshots of every message and payment.
Official First Capital Bank Malawi fraud contacts
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]
If First Capital Bank Malawi 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 as a First Capital Bank Malawi customer in Malawi
- 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
Cybercrime agencies in Malawi lists who to report to.
Common questions about First Capital Bank Malawi fraud
- What is the First Capital Bank Malawi fraud helpline number?
- First Capital Bank Malawi lists these numbers on its own website: Toll-free (TNM and Airtel): 4000; Toll-free (MTL): 01 830 000; Customer care: +265 89 100 1111. Always dial the number printed on your card or shown in the official app if you are unsure.
- How do I report fraud to First Capital Bank Malawi?
- Call First Capital Bank Malawi's official line, or report it in the app or online: Complaint escalation steps (PDF): https://www.firstcapitalbank.co.mw/wp-content/uploads/2026/06/Complaint-Escalation-Procedure-both-languages.pdf, or by email: [email protected]. 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 First Capital Bank Malawi will not help or refund me?
- In Malawi you can complain to Reserve Bank of Malawi: complaints handling, MACRA consumer complaints (telecom). Details of what each one handles are on this page.
Other providers in Malawi
National Bank of MalawiStandard Bank MalawiNBS BankAirtel Money MalawiTNM Mpamba
These contacts were read on First Capital Bank Malawi’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 First Capital Bank Malawi and cannot recover money. All Malawi providers are in Bank Fraud Help: Malawi.