Legal
How to Report a Fake Bank Transaction in Pakistan (2025 Edition)
By Huzi
"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.
âš ï¸ 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). |
👑›ï¸ 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 protected] | Same docs + timeline | |
| Helpline | 021-111-727-273 (Mon—Fri 9 AM—5 PM) | "" |
| SBP resolves within 30 days for fraud cases. |
âš–ï¸ 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 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. |
👑š" 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 Rs 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 |
â±ï¸ 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.
