How to Report Cybercrime in Pakistan (and Recover Your Money)
Report cybercrime to the NCCIA — the National Cyber Crime Investigation Agency (helpline 1799), which replaced the FIA's cyber wing in 2025 — and call your bank immediately to freeze the beneficiary account.
Quick answer: Report cybercrime to the NCCIA — the National Cyber Crime Investigation Agency (helpline 1799, complaint.nccia.gov.pk), which replaced the FIA's cyber wing in 2025, and call your bank immediately to freeze the beneficiary account.
What to do in 3 steps
- Call your bank's fraud helpline now. Ask them to freeze the beneficiary account, raise a dispute in the State Bank's dispute system, and give you a reference number in writing.
- File with the NCCIA. Call the 1799 helpline or lodge a complaint at complaint.nccia.gov.pk with screenshots, transaction IDs and the beneficiary's account details.
- Escalate the bank. If your bank doesn't resolve it, lodge on the State Bank's Sunwai portal; escalate to the Banking Mohtasib after 45 days.
How recovery actually works
Pakistan has no automatic reimbursement scheme for scams you were tricked into authorising. The State Bank does hold a bank liable where its own delay or weak controls caused the loss — but that's bank fault, not blanket cover. Real recovery depends on two things happening fast: your bank flagging and freezing the beneficiary account, and the NCCIA tracing the mule account. Official 2025 figures show only about 17% of the money involved in financial-crime cases was recovered — so treat fast action as your only real lever, not a guaranteed refund.
What to have ready
- Your CNIC and contact number
- The fraudster's account/IBAN, bank, or JazzCash/Easypaisa number
- Transaction IDs, exact amounts, dates and your bank statement entries
- Screenshots of chats, SMS, fake sites or ads, and the scam phone numbers
- Your bank's dispute reference number
Frequently asked questions
Where do I report cybercrime in Pakistan now? The NCCIA — helpline 1799 or complaint.nccia.gov.pk. It replaced the FIA's cyber wing in 2025.
Can I get my money back? Only if the beneficiary account is frozen fast — recovery rates are low (about 17% in 2025).
What if my bank won't help? Lodge on the State Bank's Sunwai portal, then the Banking Mohtasib after 45 days.