Banco Santander Fraud: How to Report It and Stop the Money
If money left your Banco Santander account without your permission, or you paid a scammer, contact Banco Santander straight away and ask it to block the payment and your card. The first minutes matter most.
Do this first
- Call Banco Santander’s official line below, or use help inside the official Banco Santander 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. Banco Santander will never ask for your PIN, password or a one-time code.
- Report it to the police too: see who handles cybercrime in Spain, and keep screenshots of every message and payment.
Official Banco Santander fraud contacts
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.
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.
Your rights as a Banco Santander customer in Spain
- 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
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).
Common questions about Banco Santander fraud
- What is the Banco Santander fraud helpline number?
- Banco Santander lists these numbers on its own website: Block a card (free): 900 81 13 81 (24/7). Always dial the number printed on your card or shown in the official app if you are unsure.
- How do I report fraud to Banco Santander?
- Call Banco Santander's official line, or report it in the app or online: In the app or online banking: select card › Bloquear tarjeta › choose a reason › Continuar. A temporary block is also possible.. Tell them the amount, the time and the account the money went to, and ask them to block your card or the payment.
Other providers in Spain
These contacts were read on Banco Santander’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 Banco Santander and cannot recover money. All Spain providers are in Bank Fraud Help: Spain.