Spain: 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 3 providers in Spain.
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 Spain.
- 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 Spain
- If your card was stolen, report the theft to the police: your bank may ask for a copy of the report.
Bank and payment fraud lines
Banco Santander
Bank- Block a card (free):900 81 13 81(24/7)
App or online: In the app or online banking: select card › Bloquear tarjeta › choose a reason › Continuar. A temporary block is also possible.
BBVA
Bank- Block a card or report a payment you don't recognise:900 102 801
App or online: Block or limit the card on bbva.es or in the BBVA España app.
CaixaBank
Bank- Fraud, lost or stolen card:93 887 25 25(24/7)
- Lost or stolen card, second line:900 40 40 90(24/7)
- From abroad:+34 93 887 25 25(24/7)
App or online: CaixaBankNow: My Cards › select card › block it (temporarily or permanently).
Your rights
- EU Payment Services Directive (PSD2), Articles 73 and 74. Your bank must refund an unauthorised payment immediately, and no later than the end of the next business day after it learns of it, unless it has reasonable grounds to suspect 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
Report it to the police too
Banks often ask for a police report before they investigate. Cybercrime agencies in Spain lists who to report to, and our step-by-step guide covers the rest: How to Report Cybercrime in Spain (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.