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 |
⏱️ 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.