Bank Account or card fraud in Pakistan. A guide on what to do?

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Bank Account or card fraud in Pakistan. A guide on what to do?

Image result for credit card pakistan

Bank account or bank card fraud involves the compromise of any personal information from credit card, debit card or your bank account.

Debit card fraud occurs when a thief or cyber criminal accesses your card, PIN number, OTP Code or other online banking details and makes unauthorized transactions or purchases. The easiest way to spot debit card fraud is to sign up for online banking or SMS Alerts and monitor your account for suspicious activity.The personal information stolen from a card, or the theft of a card itself, can be used to commit fraud.

Fraudsters might use the information to purchase goods in your name or obtain unauthorised funds from an account. Plastic card fraud can also include ‘card not present’ fraud, such as the use of a card online, over the phone or by mail order, and counterfeit card fraud.

How credit card fraud happens

Credit card fraud occurs when an unauthorized person gains access to your information and uses it to make purchases or bank transfers. Here are some ways fraudsters get your information:

  • Lost or stolen credit cards
  • Skimming your credit card, such as at a ATM Machines
  • Hacking your computer
  • Calling about fake prizes or wire transfers
  • Phishing attempts, such as fake emails or SMS messages
  • Fake telephones calls from your bank or some Govt Agency
  • Stealing your postal mail


  • Do not open suspicious texts, or click on links or attachments in SMS – ignore and report.
  • Beware of any requests for your details or money. Never send money or give ATM or PIN details, online account details or copies of personal documents to anyone you don’t know or trust.
  • You should warn your friends and family about scams.
  • If you are not sure that you’re being scammed, stop sending money. Scammers will keep asking for more money until you stop.
  • If you have sent money or shared your banking details with a scammer, contact your bank & police immediately. They may be able to stop a transaction, or close your account if the scammer has your account details.

Report scams to the authorities

First, report the scam number to your service provider (Jazz, Zong, Telenor, Ufone & PTCL) for blocking of suspected number.

  • If no response is received from service provider, you can also report the number to PTA for blocking by dialing 0800-55055 or visit
  • PTA will block such number and mobile device IMEI. Repeat offences from the same person (using a different number) will result in blacklisting of such CNICs for issuance of new SIMs/connection
  • If a financial/banking fraud has occurred, contact State Bank of Pakistan: [email protected]
  • For further investigation, contact FIA helpline: 051 9106384 or FIA Cyber crime Unit to make official complaint.

Protect yourself against bank card fraud

Keep all your cards and financial details safe:

  • look after your cards and card details at all times. Try not to let your card out of your sight when making a transaction
  • check receipts against statements carefully. Contact your card company immediately if you find an unfamiliar transaction
  • store your statements, receipts and financial documents safely and destroy them, preferably using a shredder, when you dispose of them
  • sign any new cards as soon as they arrive
  • cut expired cards through the magnetic strip and chip when replacement cards arrive.

Secure your PIN:

  • memorise your PIN and destroy any paper notification as soon as you receive it
  • ensure that you’re the only person that knows your PIN. Never write it down or record it. Your bank or the police will never phone you and ask you to disclose your PIN
  • when entering your PIN, use your free hand and your body to shield the number from prying eyes or hidden cameras. If you think someone has seen your PIN or if you want to change it to something more memorable, you can change it at a cash machine (ATM) or by contacting your bank.

Take care when using cash machines:

  • put your personal safety first. If someone makes you feel uncomfortable, cancel the transaction and use a different machine
  • if you spot anything unusual about the cash machine and POS Systems in Pakistan, or if there are signs of tampering, don’t use it. Report it to the bank concerned immediately
  • be alert. If someone is crowding or watching you, cancel the transaction and go to another machine. Don’t accept help from seemingly well-meaning strangers and never allow yourself to be distracted
  • once you’ve completed a transaction, put your money and card away before leaving the cash machine. If the cash machine doesn’t return your card, report its loss immediately to your card company. Destroy or preferably shred your cash machine receipt, mini-statement or balance enquiry when you dispose of them.

Contact your bank immediately if you think your card or personal information has been compromised.

1 Comment

  1. […] Sign-up to Verified by Visa or MasterCard Secure Code  in Pakistan whenever you are given the option while shopping online. This involves you registering a password […]

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Bank Account or card fraud in Pakistan. A guide on what to do?
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