PKO Bank Polski Fraud: How to Report It and Stop the Money
If money left your PKO Bank Polski account without your permission, or you paid a scammer, contact PKO Bank Polski straight away and ask it to block the payment and your card. The first minutes matter most.
Do this first
- Call PKO Bank Polski’s official line below, or use help inside the official PKO Bank Polski app. Never use a number from a text, a caller or a search result.
- 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.
- Change your online banking password and PIN if anyone may know them. PKO Bank Polski will never ask for your PIN, password or a one-time code.
- Report it to the police too: see who handles cybercrime in Poland, and keep screenshots of every message and payment.
Official PKO Bank Polski fraud contacts
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.
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.
If PKO Bank Polski 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 as a PKO Bank Polski customer in Poland
- 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
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).
Common questions about PKO Bank Polski fraud
- What is the PKO Bank Polski fraud helpline number?
- PKO Bank Polski lists these numbers on its own website: 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. Always dial the number printed on your card or shown in the official app if you are unsure.
- How do I report fraud to PKO Bank Polski?
- Call PKO Bank Polski's official line, or report it in the app or online: In the app: Moje produkty › Karty › ⋮ › Zastrzeż kartę. A temporary block is also available.. 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 PKO Bank Polski will not help or refund me?
- In Poland you can complain to Rzecznik Finansowy (Financial Ombudsman), KNF (Polish Financial Supervision Authority): where to get help in a dispute. Details of what each one handles are on this page.
Other providers in Poland
These contacts were read on PKO Bank Polski’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 PKO Bank Polski and cannot recover money. All Poland providers are in Bank Fraud Help: Poland.