How to Report a Fake Bank Transaction in Pakistan (2025 Edition)

“Your FIR is now just one CNIC away—no police station visits required.” Below are step-by-step links and apps to view, download, or verify First Information Reports for Punjab, Sindh, Islamabad (ICT), and beyond.

⚠️ Act Fast – 24-Hour Rule

If you notice an unauthorised debit, fake credit, or suspicious transaction, report the SAME DAY to freeze the trail and protect your money.

🏦 Step 1 – Contact Your Bank (Always First)

| Bank Channel | What to Do | | ----------------------------- | ------------------------------------------------------------------------------------------------------ | | 24×7 Helpline | Call the toll-free number (e.g., UBL 111-825-888, HBL 111-111-425) and say “fraudulent transaction” | | Branch Visit | Fill Dispute Form + FIR copy (see Step 3) within 5 working days | | Bank App / Internet Banking | Use “Report Fraud” button → upload screenshots + FIR | Bank must respond within 10 days (SBP rule).

🏛️ Step 2 – State Bank of Pakistan (SBP) – Consumer Protection

If your bank does NOT resolve the issue in 10 days, escalate to SBP:

| Channel | Link / Contact | Documents Needed | | ------------- | ---------------------------------- | ----------------------------------------- | | Online Form | SBP Sunwai Portal | CNIC, bank reply, transaction slip | | Email | [email protected] | Same docs + timeline | | Helpline | 021-111-727-273 (Mon–Fri 9 AM–5 PM) | — | SBP resolves within 30 days for fraud cases.

⚖️ Step 3 – Banking Mohtasib (if bank + SBP fail)

Use if 45 days have passed since first bank complaint:

| Channel | Details | | --------------- | -------------------------------------------------------------------------- | | Online Form | bankingmohtasib.gov.pk → Complaint Form | | Email | [email protected] | | Postal Address | Banking Mohtasib Pakistan, Shaheen Complex, 5th Floor, M. R. Kiyani Road, Karachi | Required Docs: Bank reply + 45-day proof + CNIC. Decision within 2 months.

🚔 Step 4 – File an FIR (for Large Fraud / Police Report)

Police Station nearest to your account branch Required: CNIC, bank statement, transaction slip Template FIR:

Subject: Cyber Fraud FIR  
Details: On [date] an amount of ₨ X was debited without my consent from my account [number] via [ATM/IBFT/UPI].  
Evidence: Attached bank statement + screenshots.

Attach FIR to all bank / SBP / Banking Mohtasib complaints.

📋 Checklist – Fake Transaction Report

| Document | Where to Use | | ------------------------- | ------------------------------------- | | CNIC copy | Bank, SBP, Banking Mohtasib | | Bank Statement | All channels | | Screenshots of transaction | Bank, SBP | | FIR copy | Banking Mohtasib & SBP escalation | | Bank’s 10-day reply | SBP & Banking Mohtasib |

⏱️ Timeline at a Glance

| Stage | Max Days | | --------------- | -------- | | Bank | 10 | | SBP (if bank fails) | 30 | | Banking Mohtasib | 60 |

🔄 One-Screen Cheat-Sheet

1. Call bank helpline → freeze card / freeze account  
2. Submit Dispute Form + FIR at branch (5 days)  
3. If no resolution → SBP Sunwai Portal (30 days)  
4. Still unresolved → Banking Mohtasib (60 days)

Bookmark this page and report tonight—every hour counts when your money is on the line.