Zambia: 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 Zambia.
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 Zambia.
- Keep everything: messages, call logs, screenshots and transaction IDs. Your bank will never ask for your PIN, password or a one-time code.
Bank and payment fraud lines
Zanaco
Bank- Call centre (all networks):5000(Mon–Sat 7am–7pm, Sun 7am–4pm, public holidays 8am–2pm)
- WhatsApp:+260 76 111 5000
App or online: Chat with the Coco chatbot, 24/7
Email: [email protected]
Stanbic Bank Zambia
Bank- General enquiries:8200
- From abroad:+260 971 288 200
Email: [email protected]
Absa Bank Zambia
Bank- Contact centre (toll-free on MTN and Airtel):5950(Mon–Fri 8am–9pm, Sat–Sun 8am–5pm)
- Customer service:+260 211 366100(Mon–Fri 8am–4:45pm)
- From abroad:+260 211 366223
- From abroad:+260 211 366230
App or online: Complaints process (PDF): https://www.absa.co.zm/content/dam/zambia/absa/pdf/complaints-zambia.pdf
Email: [email protected]
FNB Zambia
Bank- Contact centre (any network):362
- Contact centre:+260 211 366 800
App or online: In the FNB app: 'Have your say' to log a complaint
Email: [email protected]
MTN Mobile Money Zambia
Mobile money- Customer care (toll-free):111
- Customer care:+260 96 6750750
- From abroad:+260 96 6221950
- WhatsApp:+260 966 221 056
App or online: Help centre: https://mtn.zm/helppersonal/
Email: [email protected]
Airtel Money Zambia
Mobile money- Call centre (free from an Airtel number):111(24/7)
- From abroad:+260 977 770097
Email: [email protected]
If your bank won’t help
ZICTA (telecom/ICT regulator)
Complaints about telecom operators, such as SIM, airtime or service problems.
Official websiteReport it to the police too
Banks often ask for a police report before they investigate. Cybercrime agencies in Zambia.
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.