Philippines: 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 Philippines.
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 Philippines.
- 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 Philippines
- A refund under AFASA is not automatic: an institution found to have adequate security controls is not liable.
- GCash asks you to report unauthorised transactions within 15 days. That deadline is GCash's own rule, not the law, but report as early as you can.
Bank and payment fraud lines
BDO Unibank
Bank- Scams, fraud, lost or stolen cards:(+632) 8888-0000
- Outside Metro Manila (PLDT/Globelines landline: press # then the number):#8888-0000
- From abroad, toll-free (CALLBDO = 2255-236):(IAC) +800-8-CALLBDO
Email: [email protected]
Report phishing: [email protected]
BPI (Bank of the Philippine Islands)
Bank- Contact Center:(+632) 889-10000(24/7)
- Toll-free outside Metro Manila (PLDT):1-800-188-89-100
- From abroad:+63 2 88910000
Metrobank
Bank- Contact Center (accounts and cards):(02) 88-700-700
- Toll-free (domestic):1-800-1888-5775
- Cards, from abroad (toll-free):(IAC) +800-8700-0707
Email: [email protected], [email protected]
Landbank of the Philippines
Bank- Customer care (Metro Manila):(+632) 8-405-7000(24/7)
- Toll-free from PLDT; Smart/Sun/TNT at a flat Php 8 per call:1-800-10-405-7000(24/7)
Email: [email protected]
Report phishing: [email protected]
GCash (Mynt / G-Xchange)
Wallet- Hotline from Globe or TM mobile (toll-free):2882(24/7 for scams and unauthorised transactions; other concerns daily 8am–5pm)
- From a Globe landline (toll-free):(02) 7213-9999
App or online: Change your MPIN first. Then in the app: Get Help › "I noticed unauthorized transactions in my GCash account" › Chat with Gigi. Track it under Help › My Support Tickets.
Maya (Maya Philippines)
Wallet- Customer care:+632 8845 7788(Daily 8am–7pm; emergencies (lost phone, unauthorised activity) after hours)
- Toll-free (PLDT):1800 1084 57788
- Free from a Smart number:*788
App or online: In the app: Profile › Get help › Chat with us, choose a topic, then raise a ticket or chat with an agent.
If your bank won’t help
BSP Online Buddy (BOB) / BSP Consumer Assistance Mechanism
Escalate an unresolved complaint against any bank, e-wallet or payment operator supervised by the central bank.
Official websiteYour rights
- Republic Act No. 12010, Anti-Financial Account Scamming Act (AFASA). Banks and e-wallets must protect accounts with adequate security controls. One that fails to do so, or fails to use the highest degree of diligence, must return the lost funds, and no criminal conviction is needed first. Institutions may temporarily hold funds in a disputed transaction, including social-engineering scams, for up to 30 days unless a court extends it. Source
Report it to the police too
Banks often ask for a police report before they investigate. Cybercrime agencies in Philippines.
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.