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Bank Fraud Help · Nigeria

Zenith Bank Fraud: How to Report It and Stop the Money

If money left your Zenith Bank account without your permission, or you paid a scammer, contact Zenith Bank straight away and ask it to block the payment and your card. The first minutes matter most.

Do this first

  1. Call Zenith Bank’s official line below, or use help inside the official Zenith Bank app. Never use a number from a text, a caller or a search result.
  2. 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.
  3. Change your online banking password and PIN if anyone may know them. Zenith Bank will never ask for your PIN, password or a one-time code.
  4. Report it to the police too: see who handles cybercrime in Nigeria, and keep screenshots of every message and payment.

Official Zenith Bank fraud contacts

Zenith Bank

Bank

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]

Source: Zenith Bank official page

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.

If Zenith 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 website

Nigeria 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 website

EFCC (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 website

FCCPC (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 website

Your rights as a Zenith Bank customer in Nigeria

  • 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

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).

Common questions about Zenith Bank fraud

What is the Zenith Bank fraud helpline number?
Zenith Bank lists these numbers on its own website: ZenithDirect contact centre: 0201 278 7000; ZenithDirect: 0911 987 7000; ZenithDirect (0700-ZENITHBANK): 0700 936 4842 265; Card services: 0911 987 4901. Always dial the number printed on your card or shown in the official app if you are unsure.
How do I report fraud to Zenith Bank?
Call Zenith Bank's official line, or report it in the 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., or by phone code: *966*911#: stops all debits on your account, or by email: [email protected], [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 Zenith Bank will not help or refund me?
In Nigeria you can complain to CBN Consumer Protection Department (CPD), Nigeria Police Force National Cybercrime Centre (NPF-NCCC) e-reporting portal, EFCC (Economic and Financial Crimes Commission) and others. Details of what each one handles are on this page.

Other providers in Nigeria

Access BankGTBankFirst Bank of NigeriaUBAFidelity BankStanbic IBTC BankUnion Bank of NigeriaSterling BankWema BankEcobank NigeriaOPayMoniepointKuda

These contacts were read on Zenith Bank’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 Zenith Bank and cannot recover money. All Nigeria providers are in Bank Fraud Help: Nigeria.