Nigeria: 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 14 providers in Nigeria.
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 Nigeria.
- 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 Nigeria
- There is no central-bank or NIBSS code that freezes all your accounts. Ignore messages telling you to dial *7799#: each bank has its own code, listed under that bank.
- Kuda has no public WhatsApp number and does not use WhatsApp for support.
- UBA warns that fake versions of its Leo chat assistant circulate on WhatsApp.
Bank and payment fraud lines
Access Bank
Bank- Contact centre:0700 300 0000(24/7)
- Contact centre:0201 280 2500(24/7)
- Contact centre:0201 271 2005(24/7)
- Contact centre:0201 227 3000(24/7)
- WhatsApp:0909 090 1901
App or online: Online complaint form linked from the bank's complaint-channels page
Email: [email protected], [email protected]
Zenith Bank
Bank- ZenithDirect contact centre:0201 278 7000
- ZenithDirect:0911 987 7000
- ZenithDirect (0700-ZENITHBANK):0700 936 4842 265
- Card services:0911 987 4901
Phone code: *966*911#: stops all debits on your account
App or online: In the app: Cards and cheques › Deactivate card. Or call 0201 278 7000 from your registered number and press 1 to block your card or account.
Email: [email protected], [email protected]
GTBank (Guaranty Trust Bank)
Bank- GTConnect contact centre:+234 201 448 0000
- GTConnect:0700 482 666 328
- GTConnect:+234 802 900 2900
- GTConnect:+234 803 900 3900
- Lost or stolen card:+234 1 448 0027
- WhatsApp (chat only):+234 904 000 2900
App or online: Log a complaint in GTWorld, GTMobile or Internet Banking, or via the Help Centre. You should get a ticket ID by email within 24 hours.
Email: [email protected], [email protected]
First Bank of Nigeria (FirstBank)
Bank- FirstContact helpdesk:+234 708 062 5000
- FirstContact helpdesk:0201 227 8000
Phone code: *894*911#: turns off USSD banking on your phone number. To block a debit card, dial *894# and choose block debit card.
App or online: Contact form: https://firstbankgroup.com/ng/contact/
Email: [email protected], [email protected]
UBA (United Bank for Africa)
Bank- Fraud help desk:0201 280 8800
- Customer Fulfilment Centre:0201 280 8822(24/7)
- Customer Fulfilment Centre:0201 280 7000(24/7)
- Customer Fulfilment Centre (0700-CALL-UBA):0700 225 5822(24/7)
Phone code: *919*911#: blocks your debit card. *919*9# freezes online transactions.
App or online: UBA mobile app or Internet Banking, or chat with Leo on WhatsApp
Email: [email protected]
Fidelity Bank
Bank- Report a scam or fraud (TrueServe):0700 343 35489(24/7)
- TrueServe:0201 461 1119(24/7)
- TrueServe:0201 448 5252(24/7)
- TrueServe:0908 798 9069(24/7)
- WhatsApp:0903 000 5252
- WhatsApp (Ivy):0903 000 0302
Email: [email protected]
Stanbic IBTC Bank
Bank- Customer care centre:0700 909 9099
- From abroad:+234 700 909 9099
- General enquiries:0201 270 9676
- General enquiries:0201 422 2222
- Anti-fraud (South African number):+27 31 571 5459
Phone code: *909*1*911#: turns off your USSD banking (other channels keep working)
App or online: Complaint form ('Let us know') on the contact page
Email: [email protected], [email protected]
Union Bank of Nigeria
Bank- UnionCare:0201 271 6816(24/7)
- UnionCare:0700 700 7000(24/7)
- WhatsApp:0907 007 0001(24/7)
Email: [email protected]
Sterling Bank
Bank- Fraud desk:0700 822 0000
- Fraud desk / lost or stolen card (0700-STERLING):0700 7837 5464
- Head office:0201 888 8822
- WhatsApp (support only):0916 031 3000(24/7)
Phone code: *822*911#: blocks your account from any phone
App or online: Complaint form: https://sterling.ng/complaint/
Email: [email protected], [email protected]
Wema Bank (ALAT)
Bank- Purple Connect help desk (also to block a card):0803 900 3700(24/7)
- Help desk (07000-PURPLE):0700 0787 753(24/7)
- WhatsApp:0904 441 1010
App or online: In the ALAT app: Card Control › turn off master status to stop all card use
Email: [email protected]
Ecobank Nigeria
Bank- Contact centre (including cards):0700 500 0000
- Contact centre:+234 708 065 3700
App or online: Live chat with an agent on the Ecobank website, 24 hours a day
Email: [email protected], [email protected]
OPay
Bank- Customer service:0700 888 8328
- Customer service:0201 888 8328
- WhatsApp:+234 916 599 8936
App or online: In the OPay app: Customer Service, for 24/7 self-service on transfer and card disputes or live chat with an agent
Moniepoint
Bank- Support line:+234 201 888 9990
App or online: Block your card and contact Support in the app, or use the fraud request form linked on the contact page
Kuda
Bank- Customer care:0700022555832
App or online: In the Kuda app: freeze your card and chat with Kuda, or report a transaction at selfhelp.kuda.com
Email: [email protected], [email protected]
Not listed here
We could not confirm contact details on the official website of: FCMB (First City Monument Bank), PalmPay. 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
CBN Consumer Protection Department (CPD)
Complaints against a CBN-regulated bank or microfinance bank that the bank did not resolve.
Complain to your bank first and allow two weeks. Then email [email protected] or write to the Director, Consumer Protection Department, Central Bank of Nigeria, Central Business District, Abuja. Include your contact details, the bank's name, the transactions and amount, supporting documents and proof you complained to the bank. Never send your PIN or passwords.
Official websiteNigeria Police Force National Cybercrime Centre (NPF-NCCC) e-reporting portal
Report a cybercrime to the Nigeria Police online.
Register at https://nccc.npf.gov.ng/login (BVN or NIN check), file a report and attach evidence such as bank records and screenshots. You can track the report on your dashboard.
Official websiteEFCC (Economic and Financial Crimes Commission)
Petition the EFCC about financial fraud.
Use the online petition form, email [email protected] or call +234 809 332 2644. Include your name, NIN, BVN, contact details and when the offence happened.
Official websiteFCCPC (Federal Competition and Consumer Protection Commission): digital lender / loan-app abuse
Report unregistered or abusive loan apps, for example harassment, shaming or misuse of your data.
File at https://complaints.fccpc.gov.ng/ or email [email protected]. Check whether a lender is approved at https://fccpc.gov.ng/registration-of-digital-money-lenders/.
Official websiteYour rights
- CBN complaint timelines (ATM Help Desk circular, revised 30 June 2014). Your bank must handle your complaint. If it is not resolved within 2 weeks (30 days for excess charges and loans), you can escalate to the CBN Consumer Protection Department. Source
- DEON Consumer Lending Regulations 2025. In force since 21 July 2025: digital lenders must be registered with the FCCPC. Source
Report it to the police too
Banks often ask for a police report before they investigate. Cybercrime agencies in Nigeria lists who to report to, and our step-by-step guide covers the rest: How to Report Fraud in Nigeria (and Recover Your Money).
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.