Montenegro: 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 Montenegro.
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 Montenegro.
- 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 Montenegro
- Outside office hours, Hipotekarna's 19905 line is answered by an external centre that can only block cards.
Bank and payment fraud lines
Erste Bank Montenegro
Bank- Card blocking, lost or stolen card:+382 20 409 490
- Card blocking, lost or stolen card:+382 20 409 491
- Call centre:19991
- From abroad:+382 20 440 440
NLB Banka Montenegro
Bank- Contact centre (card blocking 24/7):19888(Mon–Fri 8am–10pm, Sat 8am–6pm, Sun 8am–4pm; card blocking 24/7)
- Card blocking from abroad:+382 20 402 000(24/7)
Email: [email protected]
Hipotekarna banka
Bank- Contact centre (card blocking only outside office hours):19905(Mon–Fri 8am–8pm, Sat 8am–1pm; card blocking at other times)
App or online: Message MojHB Chat on Viber, or use the mHB klik app.
Email: [email protected]
If your bank won’t help
Central Bank of Montenegro (CBCG), client protection
Complaints about banks and other credit institutions.
Complain to your bank first. The Central Bank then acts on your complaint within its legal powers. Address: Bulevar Svetog Petra Cetinjskog 6, 81000 Podgorica.
Official websiteReport it to the police too
Banks often ask for a police report before they investigate. Cybercrime agencies in Montenegro.
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.