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.
âš ï¸ 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. |
👑›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: sunwai.sbp.org.pk |
CNIC, bank's reply, transaction slip |
[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.
âš–ï¸ 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 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.
👑š" 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 Rs [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 |
â±ï¸ Timeline at a Glance
| Stage | Max Days |
|---|---|
| Bank Response | 10 |
| SBP (if escalated) | 30 |
| Banking Mohtasib (final appeal) | 60 |
👑"„ One-Screen Cheat-Sheet
- Call bank helpline →’ freeze card / account.
- Submit Dispute Form + FIR at the branch (within 5 days).
- If no resolution →’ SBP Sunwai Portal (after 10 days).
- Still unresolved →’ Banking Mohtasib (after 45 days).
Bookmark this page and act immediately—every hour counts.
