Poland: 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 4 providers in Poland.
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 Poland.
- 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 Poland
- Santander Bank Polska is now Erste Bank Polska, and santander.pl redirects to erste.pl. Use the Erste numbers listed here.
Bank and payment fraud lines
PKO Bank Polski
Bank- Report fraudulent transactions (free in Poland):800 909 707
- Card blocking (free in Poland):800 302 302
- Card blocking from mobiles or abroad:+48 81 535 60 60
App or online: In the app: Moje produkty › Karty › ⋮ › Zastrzeż kartę. A temporary block is also available.
Bank Pekao S.A.
Bank- Unauthorised transactions:519 299 893(24/7)
- Main hotline, card blocking:519 222 222
App or online: In PeoPay or Pekao24: Produkty › select card › Zablokuj. To lock access: PeoPay Settings › Security › Block Access Channels.
mBank
Bank- mLinia:42 6 300 800
- mLinia from abroad:+48 42 6 300 800
- mLinia (alternative number):783 300 800
App or online: In the app: Produkty › Karty › select card › Blokada karty. You can also disconnect a stolen phone from your account in the settings.
Email: [email protected]
Report phishing: [email protected]
Erste Bank Polska (formerly Santander Bank Polska)
Bank- Hotline, including card blocking:1 9999(24/7)
- From abroad:+48 61 81 1 9999(24/7)
App or online: In the Erste app: Cards › select card › Shortcuts › Security › Zastrzeż kartę. Online banking also lets you block the card.
Email: [email protected]
Not listed here
We could not confirm contact details on the official website of: ING Bank Śląski, BLIK (Polish Payment Standard). 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
Rzecznik Finansowy (Financial Ombudsman)
Free help for individuals in a dispute with a bank or other financial institution.
Complain to your bank first. If it rejects your complaint, in full or in part, or does not answer in time, send the Ombudsman's application form, signed by hand or electronically, to [email protected], through ePUAP, or by post to Biuro Rzecznika Finansowego, ul. Nowogrodzka 47a, 00-695 Warszawa.
Official websiteKNF (Polish Financial Supervision Authority): where to get help in a dispute
Explains your options: a complaint to the bank, the Financial Ombudsman, the KNF Court of Arbitration, the consumer authority UOKiK, or a civil court.
Complain to your bank first.
Official websiteYour rights
- Payment Services Act, art. 46 (Poland's implementation of EU PSD2). Your bank must refund an unauthorised payment promptly, normally by the end of the next business day, unless it suspects fraud. If a lost, stolen or misused card or payment details were involved, your loss is capped at EUR 50, unless you acted fraudulently or with gross negligence. Payments you approved yourself, even if you were tricked, are usually not covered. Source
- Payment Services Act, art. 45. If you say you did not authorise a payment, it is up to your bank to prove that you did. Source
Report it to the police too
Banks often ask for a police report before they investigate. Cybercrime agencies in Poland lists who to report to, and our step-by-step guide covers the rest: How to Report Cybercrime in Poland (and Get Your Money Back).
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.