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

“Every hour counts when your money is on the line.”

Here are the step-by-step paths for reporting a fake bank transaction to the State Bank of Pakistan (SBP), Banking Mohtasib, and your own bank—all updated for 2025.

⚠️ Act Fast – The 24-Hour Rule

If you notice an unauthorised debit, fake credit, or suspicious transaction, report it the SAME DAY to freeze the trail and maximize your chances of recovery.

🏦 Step 1 – Contact Your Bank (Always First)

Your bank is your first point of contact. They must respond within 10 working days as per SBP regulations.

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” to get connected to the fraud department immediately.
Branch Visit	Fill out a Dispute Form and attach an FIR copy (if applicable) within 5 working days.
Bank App / Internet Banking	Use the “Report Fraud” or “Dispute Transaction” button. Upload screenshots and the FIR.

🏛️ 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: `sunwai.sbp.org.pk`	CNIC, bank's reply, transaction slip
Email	`[email protected]`	Same docs + a clear timeline of events
Helpline	`021-111-727-273` (Mon–Fri 9 AM–5 PM)	For guidance and follow-up

SBP aims to resolve fraud cases within 30 days.

⚖️ Step 3 – Banking Mohtasib (If Bank + SBP Fail)

Use this channel if 45 days have passed since your first complaint to the bank.

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: Proof of 45-day wait, bank’s reply, and your CNIC. The decision usually comes within 2 months.

🚔 Step 4 – File an FIR (For Large Fraud)

File an FIR at the police station nearest to your bank branch. This is crucial for legal proceedings.

Template FIR:

Subject: Cyber Fraud FIR

Details: On [date], an amount of ₨ [amount] was debited without my consent from my account [number] via [ATM/IBFT/etc.].

Evidence: Attached bank statement + screenshots.

Attach this FIR copy to all your complaints to the bank, SBP, and Banking Mohtasib.

📋 Checklist – Required Documents

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