How to Report Cybercrime and Online Fraud in Bermuda (2026)
Scammed or hacked in Bermuda? Who to call (911 and the Bermuda Police Service), how to preserve evidence, and how to try to get your money back.
Bermuda is a British Overseas Territory with its own police force, the Bermuda Police Service (BPS), so if you are scammed or hacked here you report locally, not to any UK or US service. This guide shows you exactly who to contact, how to preserve evidence, and how to try to get your money back. Speed matters most: the sooner you tell your bank, the better your odds.
Primary sources: Bermuda Police Service: contact and reporting · Government of Bermuda: cyber security update · Office of the Privacy Commissioner for Bermuda
On this page
First: stop the loss
- Contact your bank or card issuer immediately. If you sent money or shared card details, call the number on your card or statement, report the fraud, and ask them to stop or recall the payment and freeze the account. For card payments, ask about a chargeback. Our chargeback guide explains how.
- Stop all contact with the scammer. Never send more money to "release" or "verify" funds, and never install remote-access software that a "bank" or "support" caller asks for. That is the scam. Block the number, email and account.
- Secure your accounts by changing passwords, signing out other devices and turning on two-step verification. If you clicked a link, see what to do after clicking a phishing link.
- Keep evidence: emails, texts, payment references, names, numbers and account details.
Who to report to
- Emergency or a crime in progress: call 911.
- Fraud, scams and cyber-enabled crime: report to the Bermuda Police Service on the non-emergency line 211 (or email [email protected]), the main line +1 (441) 295-0011, or online through the BPS Community Reporting Portal. Fraud is investigated by the BPS Financial Crime Unit.
- A data breach involving your personal information can be raised with the Office of the Privacy Commissioner for Bermuda.
Reporting does not by itself return your money, but it creates an official record and feeds local intelligence. Report even if you did not lose money, because the information still helps stop the next victim.
Getting your money back
Bermuda uses the Bermudian dollar, pegged one-to-one to the US dollar. How you paid decides your options, and speed is everything.
| How you paid | What to do |
|---|---|
| Bank wire or transfer | Call your bank within minutes and ask them to recall the payment and freeze the receiving account. Wires are hard to reverse once settled. |
| Debit or credit card | Ask your card issuer for a chargeback and dispute the transaction in writing. Card payments carry the strongest protection. |
| Crypto, cash app or gift cards | Rarely recoverable. Report to the platform and the police immediately, and ignore "recovery agents" who contact you, that is a common second scam. |
Because many scams targeting the island are run from overseas, a full recovery can need cooperation between banks in different countries. Report to the BPS first and give them every detail.
Scams that hit Bermuda
The BPS has warned repeatedly about:
- Bank-impersonation calls, where a caller claims there is fraud on your account and asks for online-banking logins, a one-time passcode, or to install remote-access software. Real bank staff never ask for your PIN, security code or one-time password.
- Police-impersonation calls, including WhatsApp video calls, from fraudsters posing as BPS officers.
- Tech-support scams and phishing emails with links that hijack your accounts. See how these work in our explainer on how phishing works and how to stop it.
The law and your data
Bermuda modernised its cyber laws in 2024. Computer offences are dealt with under the Computer Misuse Act 2024, which replaced the 1996 Act and raised penalties, alongside a new Cybersecurity Act 2024 that establishes a national incident-response function. Your personal data is protected by the Personal Information Protection Act 2016 (PIPA), fully in force since 1 January 2025 and regulated by the Office of the Privacy Commissioner.
FAQ
Can I report to the US FBI or UK Action Fraud from Bermuda?
No. Bermuda has its own police service. Report to the Bermuda Police Service. If a scam clearly originates abroad, the police can liaise with agencies in that country.
My email or social media was hacked. Who do I tell?
Secure the account first: change the password, sign out other devices and turn on two-step verification. Then report to the BPS, especially if money, identity or business communications were affected.
I only received a suspicious message and lost nothing. Should I still report?
Yes. Reporting scam numbers and emails to the police helps them warn others and track offenders. Block the sender and keep a screenshot.
Sources: Bermuda Police Service (contact and reporting) · BPS Community Reporting Portal · Government of Bermuda (Computer Misuse Act 2024, Cybersecurity Act 2024) · Office of the Privacy Commissioner for Bermuda
If you have been targeted, you are not alone. See our country-by-country cybercrime help hub for step-by-step reporting and recovery guides.