Report and Recover Atlas: where to report a scam, country by country

UtilForge.org is a digital inclusion organisation offering free cybersecurity and online safety tools and guides. A 2026 Champion of Cybersecurity Awareness Month. What you check stays on your phone or computer.

The question viewers ask most under scam videos is what to do next. This atlas gives the official reporting routes and the money-back rules for 38 countries and the European Union, read at each official site on 26 October 2026, for creators, trainers, helplines and journalists to use and to read out on camera.

First, in every country: stop contact with the scammer, call your bank or payment provider on the number on your card or in its own app, and report the scam. The sooner the bank hears, the more it can stop or recover.

Argentina

Report the scam: Specialised Cybercrime Prosecution Unit (Unidad Fiscal Especializada en Ciberdelincuencia, UFECI), Public Prosecutor's Office. (+54 11) 5071-0040; email denunciasufeci@mpf.gov.ar. Spanish. https://www.mpf.gob.ar/ufeci/
Police cybercrime reporting: File a police or judicial complaint, for example with the Public Prosecutor's Office (Central Bank of the Argentine Republic guidance)
Your bank, and the money-back rules: Contact the bank or provider right away to block accounts, cards or app and wallet access, then file a formal complaint with the entity and keep the claim number. After at least 10 business days you can escalate to the Central Bank of the Argentine Republic.
If the bank or provider says no: Central Bank of the Argentine Republic (BCRA) fraud or scam complaint: https://www.bcra.gob.ar/realizar-un-reclamo-ante-el-banco-central-por-fraude-o-estafa/ (online form; page last modified 22 September 2026)
Consumer protection agency: National Directorate of Consumer Protection and Consumer Arbitration (Dirección Nacional de Defensa del Consumidor y Arbitraje del Consumo): https://www.argentina.gob.ar/produccion/defensadelconsumidor ; 0800-666-1518, consultas@consumidor.gob.ar
Press office: Central Bank of the Argentine Republic news: https://www.bcra.gob.ar/noticias/
Check before you film: Phone hours for the Cybercrime Prosecution Unit public line not listed. Identity theft service and scam advert route: still to confirm.
Read at the official sites: 26 October 2026

Australia

Report the scam: Scamwatch, run by the National Anti-Scam Centre within the Australian Competition and Consumer Commission (ACCC). Not listed (000 for immediate danger). English, with scam information in other languages. https://www.scamwatch.gov.au/report-a-scam
Police cybercrime reporting: Official police report online through cyber.gov.au (ReportCyber), linked from Scamwatch;
Your bank, and the money-back rules: Contact your bank or card provider immediately and tell them to stop any transactions (Scamwatch). Scams Prevention Framework (banks, telecommunications companies and digital platforms): covered businesses had to join the Australian Financial Complaints Authority by 1 September 2026; most obligations apply from 31 March 2027, when the Authority also starts handling eligible scam complaints not resolved by the business. Codes and rules are still being developed, and no compensation amounts are set out yet.
If the bank or provider says no: Australian Financial Complaints Authority (AFCA): https://www.afca.org.au/make-a-complaint (complain to the firm first; time limits apply but were not stated on the page)
Consumer protection agency: Australian Competition and Consumer Commission: https://www.accc.gov.au/about-us/contact-us-or-report-an-issue
Identity theft or SIM swap: IDCARE (national identity and cyber support service): https://www.idcare.org/ ; individuals 1800 595 160, Monday to Friday 7am to 7pm Australian Eastern Standard Time; international +61 7 3555 5900
Press office: Australian Competition and Consumer Commission news centre: https://www.accc.gov.au/news-centre
Check before you film: Scams Prevention Framework page updated 14 October 2026; the Australian Financial Complaints Authority consulted on scam complaint rules until 28 September 2026. Australian Financial Complaints Authority phone number still to confirm. Official short code for forwarding scam texts still to confirm.
Read at the official sites: 26 October 2026

Bangladesh

Police cybercrime reporting: Bangladesh Police (online general diary). https://www.police.gov.bd/
If the bank or provider says no: Bangladesh Bank, Customers' Interest Protection Center. 16236. Email bb.cipc@bb.org.bd; procedure at https://www.bb.org.bd/en/index.php/services/cipc_procedure. https://cmsform.bb.org.bd/apps/f?p=107
Press office: Bangladesh Bank press releases. https://www.bb.org.bd/en/index.php/mediaroom/press_release
Check before you film: still to confirm: police cybercrime and Cyber Police Centre routes, Directorate of National Consumer Rights Protection hotline, telecoms regulator scam-text route, mobile financial service reversal rules.
Read at the official sites: 26 October 2026

Brazil

Police cybercrime reporting: File a police report (Boletim de Ocorrência) with the Civil Police in person or through your state's online police station (delegacia virtual), as advised by the Ministry of Justice and Public Security
Your bank, and the money-back rules: Contact the bank only through official channels (number on the back of the card, the bank's app, or a branch) and report any transaction you do not recognise; the Ministry of Justice and Public Security notes there is no guarantee the money will come back.
Consumer protection agency: Consumidor.gov.br, the federal complaints platform of the National Consumer Secretariat (Senacon), Ministry of Justice and Public Security: https://www.consumidor.gov.br/ (linked from the Ministry's consumer page;
Press office: Ministry of Justice and Public Security press office: https://www.gov.br/mj/pt-br/canais_atendimento/imprensa/
Check before you film: Ministry of Justice and Public Security guide 'Sofri um golpe, e agora?' (I was scammed, now what?): https://www.gov.br/mj/pt-br/acesso-a-informacao/acoes-e-programas/sofri-um-golpe-e-agora . National Alliance to Combat Digital Banking Fraud (Ministry of Justice and Public Security with the Brazilian Federation of Banks) signed 23 August 2024. still to confirm: Pix MED time limits and any 2025-2026 changes, Central Bank of Brazil complaint route and phone, national fraud report service, identity theft service.
Read at the official sites: 26 October 2026

Canada

Report the scam: Canadian Anti-Fraud Centre (CAFC), with the Royal Canadian Mounted Police (RCMP) online system Report Cybercrime and Fraud. 1-888-495-8501, Monday to Friday 10am to 4:45pm Eastern, closed on holidays. English and French. https://reportcyberandfraud.canada.ca/
Police cybercrime reporting: Report to local police and get a file number (Canadian Anti-Fraud Centre guidance); the online system Report Cybercrime and Fraud sends reports to both the Royal Canadian Mounted Police and the Canadian Anti-Fraud Centre: https://reportcyberandfraud.canada.ca/
Your bank, and the money-back rules: Report the incident to the financial institution that transferred the money (Canadian Anti-Fraud Centre). Complaint rule (Financial Consumer Agency of Canada): the bank must give a detailed written response within 56 calendar days of the first complaint.
If the bank or provider says no: Ombudsman for Banking Services and Investments (OBSI): https://www.obsi.ca/ ; 1-888-451-4519, Toronto area 416-287-2877, TTY 1-844-358-3442. Can be used once 56 calendar days have passed since the complaint to the bank, or once the bank has closed the file with a written response; the Ombudsman must issue a final written recommendation within 120 calendar days of receiving what it needs. Financial Consumer Agency of Canada complaint guidance: https://www.canada.ca/en/financial-consumer-agency/services/complaints/file-complaint-financial-institution.html
Consumer protection agency: Competition Bureau Canada (deceptive marketing): https://competition-bureau.canada.ca/
Identity theft or SIM swap: Canadian Anti-Fraud Centre victim steps (flag accounts, contact Equifax and TransUnion): https://antifraudcentre-centreantifraude.ca/scams-fraudes/victim-victime-eng.htm
Press office: Canadian Anti-Fraud Centre media contacts: https://antifraudcentre-centreantifraude.ca/news-nouvelles/index-eng.htm
Check before you film: Forwarding to 7726: still to confirm on an official Canadian government page. Canadian Anti-Fraud Centre home page modified 20 October 2026.
Read at the official sites: 26 October 2026

Colombia

Report the scam: National Police of Colombia CAI Virtual (online police service). National Police line outside Bogotá 018000 910112; Bogotá +57 601 515 9111 / 9112; emergencies 123. https://caivirtual.policia.gov.co/
Police cybercrime reporting: CAI Virtual: https://caivirtual.policia.gov.co/ (linked from the National Police home page;
Your bank, and the money-back rules: Payment reversal (reversión del pago), Article 51 of the Consumer Statute (Law 1480 of 2011): for online purchases paid by credit card, debit card or another electronic payment instrument, the consumer can ask for the payment to be reversed if the purchase was fraudulent, not requested, not received, or defective; the consumer must complain to the seller and notify the card or payment issuer within 5 business days of learning of the problem, and the issuer must reverse the transaction.
If the bank or provider says no: Financial Superintendence of Colombia (Superintendencia Financiera de Colombia) complaint against a supervised entity: https://smart.superfinanciera.gov.co ; contact centre +57 601 307 8042 (Monday to Friday, 8am to 6pm), toll-free 018000 120 100, #903 from Claro and Tigo
Press office: Financial Superintendence of Colombia press room: https://www.superfinanciera.gov.co/publicaciones/60667/sala-de-prensa-60667/
Check before you film: consumer agency and identity theft service still to confirm.
Read at the official sites: 26 October 2026

Egypt

Report the scam: Ministry of Interior: Information Crimes Combat line. 108. The ministry lists 108 under emergency numbers as 'مكافحة جرائم المعلومات' (combating information crimes). Citizen complaints portal: http://www.shakwa.eg/GCP/Interior/login.aspx. https://moi.gov.eg/
Police cybercrime reporting: Ministry of Interior citizen complaints and reports portal. http://www.shakwa.eg/GCP/Interior/login.aspx
Your bank, and the money-back rules: Contact your bank immediately.
Consumer protection agency: Consumer Protection Agency (جهاز حماية المستهلك). 19588. Online complaint link on the homepage ('التقدم بشكوى'). https://cpa.gov.eg/
Press office: Ministry of Interior Security Media Center. https://moi.gov.eg/MediaCenter
Check before you film: still to confirm: Central Bank of Egypt complaints and hotline; National Telecom Regulatory Authority complaint and scam-text routes.
Read at the official sites: 26 October 2026

European Union: rules for all member countries

Report the scam: No single European Union scam reporting service; the European Union Agency for Law Enforcement Cooperation (Europol) points victims to national reporting sites. https://www.europol.europa.eu/report-a-crime/report-cybercrime-online
Police cybercrime reporting: Europol list of national cybercrime reporting sites: https://www.europol.europa.eu/report-a-crime/report-cybercrime-online
Your bank, and the money-back rules: the bank must refund at the latest by the end of the next business day; the customer must report within 13 months of the debit date. Direct debits can be refunded within 8 weeks. A transfer the victim authorised (for example, sending money to a scammer who posed as the bank) has no general European Union refund right under PSD2. Banks must answer a written payment complaint within 15 business days (up to 35 in exceptional cases). Instant Payments Regulation (EU) 2024/886: since 9 October 2025, banks in the euro area must check the payee's name against the account (verification of payee) for euro instant payments and transfers; banks outside the euro area follow from 2027.
If the bank or provider says no: Financial Dispute Resolution Network (FIN-NET), for cross-border complaints about a financial firm in another European Economic Area country: https://finance.ec.europa.eu/consumer-finance-and-payments/retail-financial-services/financial-dispute-resolution-network-fin-net_en
Consumer protection agency: European Consumer Centres Network (ECC-Net), free advice and help with traders in another European Union country, Iceland or Norway (contact the centre where you live): https://www.eccnet.eu/contact-your-local-ecc
Scam adverts and websites: Under the Digital Services Act, illegal adverts are reported to the platform first, then to the national Digital Services Coordinator (as described by Ireland's Competition and Consumer Protection Commission)
Press office: European Consumer Centres Network information for journalists: https://www.eccnet.eu/information-journalists
Check before you film: Payment Services Regulation and third Payment Services Directive: the European Commission timeline lists a political agreement between the European Parliament and the Council on 27 November 2025; adoption and application dates were not stated, and the refund rules for impersonation scams in the new law were still to confirm. The EUR-Lex record for PSD2 shows a 'no longer in force' date of 18 June 2026, but the replacing act could not be confirmed; check whether the new Payment Services Regulation now applies before reading the €50, next-business-day and 13-month rules on camera.
Read at the official sites: 26 October 2026

France

Report the scam: 17Cyber (government assistance service run by the National Police, the National Gendarmerie and Cybermalveillance.gouv.fr). Not listed. French. https://www.17cyber.gouv.fr/
Police cybercrime reporting: 17Cyber links to the official complaint (dépôt de plainte) page on service-public.fr; Cybermalveillance.gouv.fr assistance: https://www.cybermalveillance.gouv.fr/
Forward scam texts: 33700 for spam texts and calls (platform set up by mobile operators and telecom associations; report online at https://www.33700.fr/)
Your bank, and the money-back rules: Unauthorised payments follow the European Union Payment Services Directive (see European Union entry): €50 maximum, refund by the end of the next business day, report within 13 months; Bank complaints: acknowledgement within 10 working days and a reply within 2 months, or 15 working days (up to 35) for payment services such as transfers, direct debits and card payments (Assurance Banque Épargne Info Service).
If the bank or provider says no: Bank's consumer mediator (médiateur), free, after a written complaint to the bank, as described by Assurance Banque Épargne Info Service (Bank of France, Prudential Supervision and Resolution Authority and Financial Markets Authority): https://www.abe-infoservice.fr/fr/assurance-banque-placements-financiers-que-faire-en-cas-de-mecontentement ; phone 34 14 (Monday to Friday 8am to 6pm), from abroad +33 1 73 03 34 04
Consumer protection agency: SignalConso, run by the Directorate General for Competition Policy, Consumer Affairs and Fraud Control (DGCCRF): https://signal.conso.gouv.fr/
Press office: Cybermalveillance.gouv.fr press: https://www.cybermalveillance.gouv.fr/tous-nos-contenus/presse/presse
Check before you film: Perceval (online card fraud report), THESEE (online scam complaint) and the Info Escroqueries phone line are still to confirm. Pharos (illegal online content) is named on SignalConso but its URL is still to confirm.
Read at the official sites: 26 October 2026

Germany

Report the scam: Federal Office for Information Security (Bundesamt für Sicherheit in der Informationstechnik, BSI) Service Centre (advice line; crimes are reported to the police). 0800 274 1000 (free), Monday to Thursday 8am to 5pm, Friday 8am to 4pm. https://www.bsi.bund.de/
Police cybercrime reporting: Report to the police of your federal state (online police station or local station);
Your bank, and the money-back rules: German Civil Code (Bürgerliches Gesetzbuch, BGB), which applies the European Union Payment Services Directive: for an unauthorised payment the bank must refund without delay and at the latest by the end of the next business day (section 675u); the customer can be asked to pay up to €50 where a lost, stolen or misused payment instrument was used, and the full loss only for fraud or intentional or grossly negligent breach of duties (section 675v); claims are barred unless the customer notifies the bank within 13 months of the debit date (section 676b).
If the bank or provider says no: Banking Ombudsman of the Association of German Banks (Bankenombudsmann, private banks; free; check that your bank takes part): https://bankenombudsmann.de/ .
Consumer protection agency: Consumer advice centres (Verbraucherzentralen), including the Fakeshop-Finder and Phishing-Radar warnings: https://www.verbraucherzentrale.de/
Press office: Verbraucherzentrale press: https://www.verbraucherzentrale.de/presse ; Federal Office for Information Security press office: https://www.bsi.bund.de/DE/Service-Navi/Presse/Pressestelle/pressestelle_node.html
Check before you film: those routes still to confirm.
Read at the official sites: 26 October 2026

Ghana

Report the scam: Cyber Security Authority (incident reports go to the national Computer Emergency Response Team, CERT-GH). Call or SMS 292; WhatsApp 0501603111. Email report@csa.gov.gh; mobile app 'CSA GHANA'. https://www.csa.gov.gh/report
Forward scam texts: Cyber Security Authority SMS line. 292. https://www.csa.gov.gh/report
Your bank, and the money-back rules: Complain to your bank first. No national scam-refund rule found. https://www.bog.gov.gh/supervision-regulation/complaints-procedures/
If the bank or provider says no: Bank of Ghana, Financial Stability Department. 0593974486 (phone and WhatsApp). Email complaints.office@bog.gov.gh; walk-in at 4th Floor, Urban Block, Bank Square, Accra, or any regional office. https://www.bog.gov.gh/supervision-regulation/complaints-procedures/
Scam adverts and websites: National Communications Authority complaints portal (telecoms and broadcasting). +233 302 776621. Not a dedicated scam route. https://complaints.nca.org.gh
Press office: Cyber Security Authority press releases. https://www.csa.gov.gh/press-releases
Check before you film: Recent: Cyber Security Authority statement on Ghana's role in 'Operation Blackout' (9 October 2026). The authority's site shows mismatched contact details on some pages (displayed email info@csa.gov.gh links to info@cybersecurity.gov.gh); the 292 and report@csa.gov.gh channels are stated plainly on the reporting page. still to confirm: a police cybercrime route, a national consumer protection agency, mobile money reversal rules.
Read at the official sites: 26 October 2026

Hong Kong

Report the scam: Anti-Deception Coordination Centre, Hong Kong Police Force. Anti-Scam Helpline 18222. English, Traditional Chinese, Simplified Chinese (site). https://www.adcc.gov.hk/en-hk/home.html
Police cybercrime reporting: Hong Kong Police e-Report Centre. Upgraded on 3 August 2025. https://www.erc.police.gov.hk/
Forward scam texts: No short code; use the Scameter+ app 'Report' to upload a screenshot of a suspicious message. https://cyberdefender.hk/en-us/scameter/
Your bank, and the money-back rules: Report unauthorised card transactions to the card-issuing bank immediately. Hong Kong Monetary Authority warns that once card details and a one-time password are entered the customer may be liable. No general scam-refund rule found. https://www.hkma.gov.hk/eng/smart-consumers/beware-of-fraudsters/
If the bank or provider says no: Hong Kong Monetary Authority bank complaints. (852) 2878 1378. Complain to the bank first; email bankcomplaints@hkma.gov.hk. https://bankcomplaint.hkma.gov.hk/
Consumer protection agency: Consumer Council. 2929 2222; Elderly Hotline 2110 2288. https://ecomplaint.consumer.org.hk/?lang=en
Scam adverts and websites: Scameter (CyberDefender): check and report phone numbers, websites, accounts. https://cyberdefender.hk/en-us/scameter/
Press office: Hong Kong Monetary Authority press releases. Consumer Council: https://www.consumer.org.hk/en/press-release. https://www.hkma.gov.hk/eng/news-and-media/press-releases/
Check before you film: Scameter's 'no record' result does not mean an item is safe. Hong Kong Monetary Authority scam alerts: https://www.hkma.gov.hk/eng/news-and-media/scam-alert/ .
Read at the official sites: 26 October 2026

India

Report the scam: National Cyber Crime Reporting Portal and the Citizen Financial Cyber Fraud Reporting and Management System, under the Indian Cyber Crime Coordination Centre (Ministry of Home Affairs). 1930. https://cybercrime.gov.in/
Police cybercrime reporting: National Cyber Crime Reporting Portal. https://cybercrime.gov.in/
Forward scam texts: Sanchar Saathi (Department of Telecommunications): 'Chakshu' for suspected fraud calls, texts and WhatsApp messages; 1909 for unsolicited commercial texts. 1909 (SMS or call). Chakshu is for suspected fraud communications; money already lost goes to 1930. https://sancharsaathi.gov.in/
Your bank, and the money-back rules: Reserve Bank of India limited liability rules for unauthorised electronic transactions. Report to the bank at once. Zero liability if the bank is at fault, or if a third-party breach is reported within 3 working days. Reported in 4 to 7 working days: liability capped at ₹5,000, ₹10,000 or ₹25,000 depending on account type. After 7 working days: bank's board-approved policy. If you shared your credentials, you bear the loss until you report. The bank must credit the disputed amount within 10 working days of your report and resolve within 90 days. https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=11040
If the bank or provider says no: Reserve Bank – Integrated Ombudsman Scheme, Complaint Management System. The scheme document link on that page is dated 1 July 2026;. https://cms.rbi.org.in
Consumer protection agency: National Consumer Helpline 2.0 (Department of Consumer Affairs). 1915 (8am to 8pm); WhatsApp and SMS +91 8800001915. Offered in 17 languages. https://consumerhelpline.gov.in/
Scam adverts and websites: Sanchar Saathi Chakshu. https://sancharsaathi.gov.in/
Identity theft or SIM swap: Sanchar Saathi: check mobile connections in your name and block lost or stolen phones. https://sancharsaathi.gov.in/
Press office: Ministry of Home Affairs press releases. https://www.mha.gov.in/press-release
Check before you film: The Reserve Bank of India complaints page now links an Integrated Ombudsman Scheme document dated 1 July 2026; still to confirm: languages on cybercrime.gov.in, ombudsman contact centre number.
Read at the official sites: 26 October 2026

Indonesia

Report the scam: Indonesia Anti-Scam Centre, led by the Financial Services Authority (Otoritas Jasa Keuangan). Indonesian. Online reports only. Speed is stressed: the centre routes reports to the bank or payment provider holding the scammer's account so it can delay and freeze funds. Recovery is not guaranteed; only your own bank will contact you about recovered funds. A separate police report is needed for legal action. https://iasc.ojk.go.id/Guest/LaporanV2
Your bank, and the money-back rules: Report to your bank and to the Indonesia Anti-Scam Centre as fast as possible. https://iasc.ojk.go.id/
If the bank or provider says no: Financial Services Authority consumer complaints portal; then the Alternative Dispute Resolution Institution for the Financial Services Sector (LAPS SJK). 157 (Financial Services Authority); LAPS SJK 021-2527700. LAPS SJK handles banking, insurance and fintech disputes by mediation, arbitration and binding opinion: https://lapssjk.id/. https://kontak157.ojk.go.id/appkpublicportal/
Consumer protection agency: National Consumer Protection Agency (Badan Perlindungan Konsumen Nasional). 153; WhatsApp 08153 153 153. https://pengaduan.bpkn.go.id
Scam adverts and websites: aduankonten.id, Ministry of Communication and Digital Affairs: report websites, URLs, social media accounts and apps. For fraud with money lost it directs people to the Indonesia Anti-Scam Centre; illegal lending or investment to SIPASTI at sipasti.ojk.go.id. https://aduankonten.id/
Press office: Financial Services Authority press releases. National Consumer Protection Agency: https://bpkn.go.id/siaranpers. https://www.ojk.go.id/id/berita-dan-kegiatan/siaran-pers/Default.aspx
Read at the official sites: 26 October 2026

Ireland

Report the scam: An Garda Síochána (Irish national police): report at your local Garda station. Garda Confidential 1800 666 111; emergency 999 or 112. https://www.garda.ie/en/crime/fraud/
Police cybercrime reporting: Serious and complex cases are passed to the Garda National Economic Crime Bureau: https://www.garda.ie/en/about-us/organised-serious-crime/garda-national-economic-crime-bureau/
Your bank, and the money-back rules: Call the bank or card provider as soon as possible and ask about a chargeback or reversal; credit card payments may have stronger protection than debit cards or transfers (Competition and Consumer Protection Commission). Unauthorised payments follow the European Union Payment Services Directive (see European Union entry): €50 maximum, refund by the end of the next business day, report within 13 months. Bank complaints (Central Bank of Ireland rules as described by the Competition and Consumer Protection Commission): acknowledgement within 5 business days, update at 20 business days, decision within 40 business days.
If the bank or provider says no: Financial Services and Pensions Ombudsman (FSPO): https://www.fspo.ie/ ; +353 1 567 7000 (9am to 1pm and 2pm to 5pm, Monday to Friday); complain to the provider first; free; online form at complaints.fspo.ie
Consumer protection agency: Competition and Consumer Protection Commission (CCPC): https://www.ccpc.ie/manage-your-money/scams-and-frauds ; helpline +353 (0)1 402 5555
Scam adverts and websites: Report the advert to the platform under the Digital Services Act; if the platform does not respond, escalate to Coimisiún na Meán (the media regulator) or the Competition and Consumer Protection Commission
Press office: Competition and Consumer Protection Commission news and media: https://www.ccpc.ie/news-and-media
Check before you film: No online Garda fraud reporting route is described on the Garda fraud page. Forwarding short code for scam texts: still to confirm. Identity theft service: still to confirm.
Read at the official sites: 26 October 2026

Italy

Report the scam: Postal and Cybersecurity Police (Polizia Postale), State Police. Not listed. Italian. https://www.commissariatodips.it/
Police cybercrime reporting: Polizia Postale online reporting (Segnalazioni section): https://www.commissariatodips.it/
Your bank, and the money-back rules: Unauthorised payments follow the European Union Payment Services Directive (see European Union entry): €50 maximum, refund by the end of the next business day, report within 13 months; Complain in writing to the bank first: it must reply within 60 days, or 15 working days for payment services (Bank of Italy).
If the bank or provider says no: Banking and Financial Ombudsman (Arbitro Bancario Finanziario, ABF), an out-of-court alternative to civil courts: https://www.arbitrobancariofinanziario.it/ . Bank of Italy complaints (esposti), free, through the online citizen services portal only since 13 April 2026, or by post, fax or hand delivery; toll-free 800 196969: https://www.bancaditalia.it/servizi-cittadino/servizi/esposti/index.html
Consumer protection agency: Italian Competition Authority (Autorità Garante della Concorrenza e del Mercato, AGCM), report unfair practices and misleading advertising online: https://www.agcm.it/servizi/segnala-on-line ; toll-free 800 166 661, Monday to Friday 10am to 2pm
Scam adverts and websites: Misleading advertising can be reported to the Italian Competition Authority: https://www.agcm.it/servizi/segnala-on-line
Press office: Italian Competition Authority press releases: https://www.agcm.it/Media-e-Comunicazione/comunicati-stampa/
Check before you film: Banking and Financial Ombudsman fee and deadlines: still to confirm.
Read at the official sites: 26 October 2026

Jamaica

Report the scam: Jamaica Constabulary Force (online and anonymous crime report). Crime Stop 311 (anonymous); Tip Line 876-838-3589 (text); Police Emergency 119. https://jcf.gov.jm/contact/
If the bank or provider says no: Bank of Jamaica Office of Consumer Complaints: https://boj.org.jm/core-functions/financial-system/office-of-consumer-complaints/ ; online form portal.boj.org.jm/ccmsform; 876-922-0750 or 876-932-4116; customer.complaints@boj.org.jm; Monday to Friday 9am to 1pm. It enforces the Code of Conduct on Customer Related Matters (2016) for commercial banks, merchant banks and building societies; whether fraud complaints fall within its remit is not stated.
Consumer protection agency: Consumer Affairs Commission: https://www.cac.gov.jm/ (complaints after trying the vendor first;
Press office: Bank of Jamaica Press Centre: https://boj.org.jm/news/press-centre/ ; Jamaica Constabulary Force news and press releases: https://jcf.gov.jm/jcfnews/
Read at the official sites: 26 October 2026

Japan

Report the scam: National Police Agency nationwide online cybercrime desk (via e-Gov), plus prefectural police cybercrime desks. 110 for emergencies. Japanese. Separate e-Gov forms for reports, advice and information. Prefectural contacts: https://www.npa.go.jp/bureau/cyber/ichiran.html. https://www.npa.go.jp/bureau/cyber/soudan.html
Police cybercrime reporting: Prefectural police cybercrime desks. https://www.npa.go.jp/bureau/cyber/ichiran.html
Your bank, and the money-back rules: Contact the police and the bank you transferred to. Deposit Insurance Corporation of Japan 03-6262-6794 (weekdays 9:30–18:00). Under the Act on recovery of victims of bank-transfer fraud, money left in frozen criminal accounts can be paid back to victims; the Deposit Insurance Corporation publishes the required notices. First step: contact the police and the receiving bank. https://furikomesagi.dic.go.jp/
If the bank or provider says no: Japanese Bankers Association Customer Relations Center. 0570-017109 or 03-5252-3772. Free; interpreters in English, Chinese and Korean. Mediation possible after two months. https://www.zenginkyo.or.jp/en/adr/consultation-inquiry/
Consumer protection agency: National Consumer Affairs Center of Japan; consumer hotline 188. 188. https://www.kokusen.go.jp/map/index.html#byprefecture
Press office: National Consumer Affairs Center of Japan announcements. Financial Services Agency press releases: https://www.fsa.go.jp/en/news/index.html. https://www.kokusen.go.jp/news/news.html
Check before you film: 20 October 2026: the National Consumer Affairs Center of Japan warned about fake postcards using its name. still to confirm: #9110 police consultation line.
Read at the official sites: 26 October 2026

Kenya

Report the scam: Directorate of Criminal Investigations (FICHUA hotline). 0800 722 203 (anonymous); WhatsApp 0709 570 000. https://www.dci.go.ke/
Police cybercrime reporting: National Kenya Computer Incident Response Team – Coordination Centre (Report An Incident). https://ke-cirt.go.ke/
Forward scam texts: Safaricom customers: report fraud numbers and messages to 333. 333. Safaricom says it calls only from 0722000000. This is Safaricom's own channel, not a national one;. https://www.safaricom.co.ke/fraud-awareness/m-pesa-fraud
Your bank, and the money-back rules: Bank: tell your bank immediately and report to police (Central Bank of Kenya advice). M-PESA: forward the original transaction message to 456 within 24 hours. 456 (SMS). M-PESA reversal conditions: Safaricom-to-Safaricom person-to-person transfers only; requested by sender or recipient; recipient must have enough balance; up to 3 attempts per transaction. Central Bank of Kenya fraud page: https://www.centralbank.go.ke/fraud-safety/ . No national refund rule found. https://www.safaricom.co.ke/main-mpesa/m-pesa-for-you/getting-started/m-pesa-reversal
If the bank or provider says no: Central Bank of Kenya. +254 20 286 0000. The bank's Customer Complaints Handling Mechanism document is linked from its fraud page;. https://www.centralbank.go.ke/contact-us/
Consumer protection agency: Competition Authority of Kenya. +254 20 2628233. Email complain@cak.go.ke. When read on 26 October 2026 the authority's homepage also displayed unrelated gambling links that are not the authority's content; creators should link directly to the complaint portal. https://competition.cak.go.ke:444/
Scam adverts and websites: Communications Authority of Kenya consumer complaints portal. +254 703 042 000. General telecoms complaints; a specific scam-advert route was not found. https://lms.ca.go.ke
Press office: Communications Authority of Kenya press statements. Central Bank of Kenya: https://www.centralbank.go.ke/press/. https://www.ca.go.ke/index.php/press-statements
Check before you film: Kenya has no single national scam portal on the pages read; the Directorate of Criminal Investigations hotline is the broadest route. still to confirm: National Kenya Computer Incident Response Team phone/email; Central Bank of Kenya escalation steps; a national short code for scam texts.
Read at the official sites: 26 October 2026

Malaysia

Report the scam: National Scam Response Centre (led by the National Anti-Financial Crime Centre with the Royal Malaysia Police, Bank Negara Malaysia, the Malaysian Communications and Multimedia Commission, banks and telcos). 997. Call your bank's 24-hour line or 997 at once, then make a police report (the page says within 24 hours). 997 is not a complaint or case follow-up line. The page states hours of 8am to 8pm daily including public holidays; confirm before filming, as this page may predate later changes. https://nfcc.jpm.gov.my/index.php/ms/nsrc
Police cybercrime reporting: Royal Malaysia Police Commercial Crime Investigation Department: Semak Mule (check bank accounts, phone numbers and company names linked to crime). https://semakmule.rmp.gov.my/
Your bank, and the money-back rules: Call your bank's 24-hour hotline or 997 immediately. https://nfcc.jpm.gov.my/index.php/ms/nsrc
If the bank or provider says no: Financial Markets Ombudsman Service (formed from the Ombudsman for Financial Services and the Securities Industry Dispute Resolution Center). +60 3-2272-2811. File within 6 months of the bank's final decision. Its case studies include a Facebook Messenger phishing scam. Bank Negara Malaysia BNMLINK: 1-300-88-5465, https://bnmlink.bnm.gov.my. https://complaint.fmos.org.my
Scam adverts and websites: Malaysian Communications and Multimedia Commission complaint portal. A specific scam-advert form was not identified on the pages read. https://aduan.mcmc.gov.my/
Press office: Bank Negara Malaysia press releases. Malaysian Communications and Multimedia Commission: https://www.mcmc.gov.my/en/media/press-releases ; Financial Markets Ombudsman Service: https://www.fmos.org.my/en/media/. https://www.bnm.gov.my/pr
Check before you film: The ombudsman is now the Financial Markets Ombudsman Service (fmos.org.my); the old ofs.org.my address redirects there. Bank Negara Malaysia's Financial Consumer Alert list: https://www.bnm.gov.my/fca . still to confirm: current hours of 997, consumer ministry complaint route, MCMC scam-advert route.
Read at the official sites: 26 October 2026

Morocco

Report the scam: e-Blagh: platform for reporting unlawful online content, run by the General Directorate for National Security (Direction Générale de la Sûreté Nationale). 19 (police emergency). Arabic, French, English, Spanish. Online fraud ('النصب عبر الانترنيت') is a listed category. Anonymous reports possible. https://www.e-blagh.ma/
Police cybercrime reporting: e-Blagh. https://www.e-blagh.ma/
Your bank, and the money-back rules: Contact your bank first.
If the bank or provider says no: Moroccan Centre for Banking Mediation (Centre Marocain de Médiation Bancaire). 05 22 27 21 69. Email cmmb@cmmb.ma; track a file at suivi.cmmb.ma; CMMB Mobile app. https://www.cmmb.ma/demande-de-mediation/
Scam adverts and websites: e-Blagh (online content reports). https://www.e-blagh.ma/
Check before you film: bank-first rules; press office.
Read at the official sites: 26 October 2026

Netherlands

Report the scam: Fraud Helpdesk (Fraudehelpdesk). 088 786 7372 (hours not listed). Dutch (with Dutch Sign Language explanation). https://www.fraudehelpdesk.nl/fraude-melden/
Police cybercrime reporting: Dutch Police report (aangifte) for online buying and selling fraud: https://www.politie.nl/onderwerpen/aan-en-verkoopfraude-internetoplichting.html ; non-emergency 0900-8844
Your bank, and the money-back rules: Unauthorised payments follow the European Union Payment Services Directive (see European Union entry): €50 maximum, refund by the end of the next business day, report within 13 months;
If the bank or provider says no: Financial Services Complaints Institute (Klachteninstituut Financiële Dienstverlening, Kifid): https://www.kifid.nl/
Consumer protection agency: ACM ConsuWijzer, the government consumer service of the Netherlands Authority for Consumers and Markets: https://consument.acm.nl/doe-uw-melding-bij-acm-consuwijzer
Identity theft or SIM swap: Central Reporting Point for Identity Fraud (Centraal Meldpunt Identiteitsfraude, CMI), National Office for Identity Data: https://www.rvig.nl/cmi
Press office: Fraud Helpdesk press releases: https://www.fraudehelpdesk.nl/persberichten/ ; Dutch Police press contact: https://www.politie.nl/contact/woordvoering
Check before you film: Fraud Helpdesk accepts reports only through its website forms, not by email. Kifid deadlines and costs: still to confirm.
Read at the official sites: 26 October 2026

New Zealand

Report the scam: National Cyber Security Centre (NCSC) online reporting tool. Phone reporting offered; number not shown on the page. Not stated. https://www.ncsc.govt.nz/report/
Police cybercrime reporting: New Zealand Police non-emergency 105 (24 hours a day, 7 days a week) or online report under 'Fraud/Scam/Cyber': https://www.police.govt.nz/use-105 ; emergencies 111
Your bank, and the money-back rules: Contact your bank urgently (National Cyber Security Centre).
If the bank or provider says no: Banking Ombudsman Scheme: https://www.bankomb.org.nz/make-a-complaint ; 0800 805 950 (hours not listed)
Consumer protection agency: Commerce Commission, report a concern: https://www.comcom.govt.nz/report-a-concern/
Press office: Banking Ombudsman Scheme media releases: https://www.bankomb.org.nz/about-us/media-releases
Check before you film: Netsafe (online safety organisation) now takes reports only through its online form; helpline 0508 638 723 (0508 NETSAFE), 8am to 8pm Monday to Friday and 9am to 5pm weekends: https://www.netsafe.org.nz/report . Department of Internal Affairs 7726 spam text service: still to confirm (page failed). IDCARE's site lists no New Zealand number.
Read at the official sites: 26 October 2026

Nigeria

Report the scam: Nigeria Police Force National Cybercrime Centre E-Reporting Portal. Described on the page as 'Nigeria's national platform for secure cybercrime reporting'. https://nccc.npf.gov.ng/
Police cybercrime reporting: Economic and Financial Crimes Commission. The commission's site loaded only its title;. https://www.efcc.gov.ng/
Your bank, and the money-back rules: Contact your bank immediately.
If the bank or provider says no: Central Bank of Nigeria, Consumer Protection. https://www.cbn.gov.ng/Documents/ConsumerProtection.html
Consumer protection agency: Federal Competition and Consumer Protection Commission. 0805 600 2020; 0805 600 3030; toll-free +234 800 000 2121. Email contact@fccpc.gov.ng. The commission also registers digital money lenders under the Digital, Electronic, Online or Non-Traditional Consumer Lending Regulations, 2025. https://complaints.fccpc.gov.ng
Identity theft or SIM swap: Nigerian Communications Commission, Consumer Affairs Bureau (telecoms complaints, including SIM problems). 622 (toll-free contact centre). Complain to your mobile network first; if unresolved, call 622, use the Consumer Portal or email consumer@ncc.gov.ng. http://consumer.ncc.gov.ng/consumer-complaints/procedure-to-file-a-complaint
Press office: Federal Competition and Consumer Protection Commission press releases. Nigerian Communications Commission: https://www.ncc.gov.ng/media-centre/press-releases. https://fccpc.gov.ng/media/releases/
Check before you film: still to confirm: Economic and Financial Crimes Commission reporting channels; Central Bank of Nigeria complaint email and any fraud-refund rule; any official route for scam adverts; any short code for scam texts.
Read at the official sites: 26 October 2026

Pakistan

Report the scam: Federal Investigation Agency online complaint portal. 1991; 051-111-345-786. The agency's site does not mention a transfer of cybercrime work; see notes. http://complaint.fia.gov.pk/
Police cybercrime reporting: National Cyber Crime Investigation Agency. https://nccia.gov.pk/
If the bank or provider says no: State Bank of Pakistan Sunwai complaint portal. https://sunwai.sbp.org.pk/
Press office: State Bank of Pakistan press releases. https://www.sbp.org.pk/press-release
Check before you film: still to confirm: Banking Mohtasib Pakistan route, Pakistan Telecommunication Authority scam-text short code, bank-first rules.
Read at the official sites: 26 October 2026

Poland

Report the scam: CERT Polska incident reporting. Not listed. Polish and English. https://incydent.cert.pl/
Your bank, and the money-back rules: Unauthorised payments follow the European Union Payment Services Directive (see European Union entry): €50 maximum, refund by the end of the next business day, report within 13 months;
If the bank or provider says no: Financial Ombudsman (Rzecznik Finansowy): https://rf.gov.pl/ ; +48 22 333 73 26 or 22 333 73 27 (hours not listed); complain to the institution first
Consumer protection agency: Office of Competition and Consumer Protection (Urząd Ochrony Konkurencji i Konsumentów, UOKiK): https://uokik.gov.pl/ ; consumer helpline 801 440 220 and 222 66 76 76, working days 10am to 6pm
Press office: CERT Polska contact: https://cert.pl/en/contact/
Check before you film: Police cybercrime route: still to confirm. The mObywatel government app offers a service to report online fraud (gov.pl, 19 August 2024).
Read at the official sites: 26 October 2026

Rwanda

Report the scam: Rwanda Investigation Bureau. 166 (toll-free). 'Report a case' leads to the E-UBUGENZACYAHA portal. Email info@rib.gov.rw. https://iecms.gov.rw/login
Police cybercrime reporting: National Cyber Security Authority, through the Rwanda Computer Security Incident Response Team. +250 791 445 224. Email info@ncsa.gov.rw. https://cert.gov.rw/report-incident
Press office: Rwanda Investigation Bureau news; media inquiries (+250) 788 311 164. https://www.rib.gov.rw/updates/news
Check before you film: still to confirm: National Bank of Rwanda complaints (site returned no content), consumer protection authority, mobile money reversal.
Read at the official sites: 26 October 2026

Singapore

Report the scam: ScamShield (Singapore Police Force and National Crime Prevention Council). ScamShield Helpline 1799 (24/7). Police hotline for reporting scams 1800-255-0000; emergencies 999. Online police report: https://eservices1.police.gov.sg/phub/eservices/landingpage/police-report . https://go.gov.sg/scamreport
Police cybercrime reporting: Singapore Police Force online police report. 1800-255-0000. https://eservices1.police.gov.sg/phub/eservices/landingpage/police-report
Forward scam texts: No short code; use the ScamShield app or Report a Scam. https://go.gov.sg/scamreport
Your bank, and the money-back rules: Call your bank's anti-scam hotline first; use the Kill Switch to freeze accounts. e.g. DBS/POSB 1800 339 6963; OCBC 6363 3333 (press 8); UOB 6255 0160. Kill Switch freezes all current and savings accounts in your bank app or by hotline. Shared Responsibility Framework (from 16 December 2024) for a defined scope of phishing scams: if the bank breached its duties it bears the loss in full; if not, but the telco breached its duties, the telco bears it; otherwise the consumer bears it. Claims need a police report and message trail. Applies to full banks and major payment institutions. https://www.scamshield.gov.sg/bank-s-anti-scam-hotline/
If the bank or provider says no: Financial Industry Disputes Resolution Centre. Mediation free; adjudication for claims up to S$150,000. Under the Shared Responsibility Framework: dissatisfied with the bank's finding, go to this centre; scams sent by SMS can be raised with the Infocomm Media Development Authority about the telco; non-SMS scams with the Monetary Authority of Singapore. https://www.fidrec.com.sg/
Consumer protection agency: Consumers Association of Singapore. 6277 5100 or 9795 8397 (Mon–Fri 9am–5pm). http://crdcomplaints.azurewebsites.net/
Scam adverts and websites: Report the seller or advert to the platform and include it in your police report (ScamShield guidance). https://www.scamshield.gov.sg/i-have-been-scammed/
Press office: Singapore Police Force media room. https://www.police.gov.sg/Media-Room
Check before you film: ScamShield warns that money sent overseas is very unlikely to be recovered, and seized money is returned only after investigations end. helpline languages.
Read at the official sites: 26 October 2026

South Africa

Report the scam: South African Banking Risk Information Centre (industry body for banks; no single national government scam portal was found). 011 847 3000 (SABRIC office line, not a victim hotline). SABRIC's advice: tell your bank immediately so it can freeze accounts, then open a case at the nearest South African Police Service station and keep the case number. Scam emails of the '419' type can be sent to the police at 419scam@saps.org.za. SABRIC's page lists each bank's fraud line, for example Standard Bank 0800 020 600, Nedbank 0800 110 929, Absa 0860 557 557, Capitec 0860 10 20 43, FNB 087 575 9404. https://www.sabric.co.za/how-to-stay-safe/
Police cybercrime reporting: South African Police Service: open a case at a police station. https://www.saps.gov.za/
Your bank, and the money-back rules: Call your bank's fraud line at once. Ask the bank to freeze accounts and block transactions; de-link a stolen phone from Apple Pay or Google Pay. If your phone suddenly loses signal, check for a SIM swap and tell the bank and your mobile network. No national legal rule on scam refunds was found on an official page. https://www.sabric.co.za/how-to-stay-safe/
If the bank or provider says no: National Financial Ombud Scheme South Africa (now includes the former Ombudsman for Banking Services). 0860 800 900; WhatsApp +27 76 574 8055. Complain to your bank first; if unresolved, submit to the National Financial Ombud Scheme. Free. Waiting period and deadline not stated on the pages read. https://nfosa.co.za/submit-a-complaint/
Consumer protection agency: National Consumer Commission. https://thencc.org.za/complaints/
Scam adverts and websites: Financial Sector Conduct Authority: report unauthorised investment or financial providers. 0800 203 722. Check a provider first at https://www.fsca.co.za/Entity-Persons-Search/ . No general route for scam adverts on social media was found. https://www2.fsca.co.za/CRM_Web_Extentions/enquiry.aspx
Identity theft or SIM swap: Southern African Fraud Prevention Service: Protective Registration. 011 867 2234. Flags your identity number so lenders take extra checks. The site also shows a second number (0860 101 248); confirm which is current. https://www.safps.org.za/
Press office: SABRIC Press and Media (media@sabric.co.za); National Consumer Commission media statements; National Financial Ombud Scheme press releases. Also https://thencc.org.za/media-statements-ncc/ and https://nfosa.co.za/press-releases/. https://www.sabric.co.za/category/press-media/
Check before you film: The Ombudsman for Banking Services website (obssa.co.za) now redirects to the National Financial Ombud Scheme South Africa, which merged the banking, credit and insurance ombud services into one free service. still to confirm: South African Police Service Crime Stop number, any national scam-refund rule, the waiting period before the ombud will take a case.
Read at the official sites: 26 October 2026

South Korea

Report the scam: Korean National Police Agency Electronic Cybercrime Report & Management System. 112 (free, 24/7); 182 (paid complaints line). Korean, English, Japanese, Chinese. https://ecrm.police.go.kr/minwon/main
Police cybercrime reporting: Electronic Cybercrime Report & Management System. 112. https://ecrm.police.go.kr/minwon/main
Forward scam texts: Korea Internet & Security Agency: report spam messages impersonating financial institutions. 118.
Your bank, and the money-back rules: Call the call centre of the bank that sent or received the money and ask for a payment suspension. or 112 (police) / 1332 (Financial Supervisory Service). Then submit a written victim relief application at the branch within 3 business days, with the police 'incident fact confirmation'. Also: register exposed personal data at pd.fss.or.kr, suspend accounts at www.payinfo.or.kr, and check or block phones opened in your name at www.msafer.or.kr. https://www.fss.or.kr/eng/main/contents.do?menuNo=400112
If the bank or provider says no: Financial Supervisory Service, Financial Disputes Settlement Committee. 1332; +82-2-3145-5726. Goes to the committee if no agreement within 30 days; it proposes a resolution within 60 days; not legally binding. https://www.fss.or.kr/eng/main/contents.do?menuNo=400078
Identity theft or SIM swap: Personal Information Exposure Accident Prevention System; Korea Association for ICT Promotion (phones opened in your name). www.msafer.or.kr. https://pd.fss.or.kr
Press office: Financial Supervisory Service press releases. https://www.fss.or.kr/eng/bbs/B0000211/list.do?menuNo=400010
Check before you film: Recent: Financial Supervisory Service warning on voice phishing and smishing that uses recent personal-data leaks. still to confirm: Korea Consumer Agency 1372 line (page did not show it).
Read at the official sites: 26 October 2026

Spain

Report the scam: National Cybersecurity Institute (Instituto Nacional de Ciberseguridad, INCIBE) cybersecurity helpline 017 and INCIBE-CERT fraud reporting. 017, every day of the year 8am to 11pm; WhatsApp 900 116 117; Telegram @INCIBE017; free and confidential. Not stated (website also in English). https://www.incibe.es/ciudadania/ayuda/reporte-de-fraude
Police cybercrime reporting: File a complaint (denuncia) at any police station or through the online portals of the National Police (Policía Nacional), Civil Guard (Guardia Civil, online service Cibercomandancia), Ertzaintza (Basque Country), Mossos d'Esquadra (Catalonia) or Policía Foral (Navarre), as listed by INCIBE: https://www.incibe.es/ciudadania/ayuda/denuncia
Your bank, and the money-back rules: Unauthorised payments follow the European Union Payment Services Directive (see European Union entry): €50 maximum, refund by the end of the next business day, report within 13 months;
Consumer protection agency: Ministry of Social Rights, Consumer Affairs and 2030 Agenda, how to complain: https://www.dsca.gob.es/es/consumo/como-reclamar-conflicto-consumo
Press office: INCIBE press room: https://www.incibe.es/incibe/sala-de-prensa
Check before you film: the complaint route is still to confirm. Whether an online police complaint must be confirmed in person is not stated on the INCIBE page.
Read at the official sites: 26 October 2026

Sweden

Report the scam: Swedish Police Authority (Polisen) online crime report. 112 for crimes in progress;. Website in Swedish, English, Finnish, German, French and Spanish. https://polisen.se/utsatt-for-brott/polisanmalan/
Police cybercrime reporting: Fraud, economic crime and IT crime reports (card fraud, phishing, hacking): https://polisen.se/utsatt-for-brott/polisanmalan/bedragerier/
Your bank, and the money-back rules: Call the bank immediately and block your accounts, using the bank's own number (Swedish Consumer Agency). Main rule: you are not liable for unauthorised withdrawals, unless you were very negligent or understood the risks and continued; the bank has the burden of proof. The National Board for Consumer Disputes has held in several cases that Swish payments are not unauthorised transactions, and a Supreme Court ruling improving refund chances does not cover payments made on a scammer's instruction.
If the bank or provider says no: National Board for Consumer Disputes (Allmänna reklamationsnämnden, ARN): https://www.arn.se/ ; online form https://adokweb.arn.se/report ; fee 150 Swedish kronor; usual handling time about 6 months. Consumers' Banking and Finance Bureau (Konsumenternas Bank- och finansbyrå): https://www.konsumenternasbankochfinansbyra.se/ ; 020 10 54 00 (weekdays 9am to noon)
Consumer protection agency: Swedish Consumer Agency (Konsumentverket): https://www.konsumentverket.se/omrade/bluffar-och-bedragerier/ ; 0771-525 525
Identity theft or SIM swap: Swedish Consumer Agency identity theft guidance (section within https://www.konsumentverket.se/omrade/bluffar-och-bedragerier/)
Press office: Swedish Police press room: https://polisen.se/om-polisen/pressrum/ ; Swedish Consumer Agency press: https://www.konsumentverket.se/aktuellt/press/
Check before you film: hallakonsument.se now redirects to konsumentverket.se. Police non-emergency number 114 14 is not shown on the pages read (still to confirm).
Read at the official sites: 26 October 2026

Taiwan

Report the scam: 165 Anti-Fraud Hotline, National Police Agency. 165. Set up 26 April 2004; a receptionist records the incident and advises the victim. 110 for emergencies. Languages not stated. The 165.npa.gov.tw site needs a browser with JavaScript. https://www.npa.gov.tw/en/app/artwebsite/view?module=artwebsite&id=8035&serno=ed2427e1-de0a-4f6f-8f68-8f83b604e89b
Police cybercrime reporting: National Police Agency 110 Report. 110. https://www.npa.gov.tw/en/app/artwebsite/view?module=artwebsite&id=8018&serno=8de79b2b-17ff-4cfa-a9e1-7583d22b523f
If the bank or provider says no: Financial Ombudsman Institution (under the Financial Consumer Protection Act; free). https://www.foi.org.tw/index.aspx?lang=2
Press office: National Police Agency news. Financial Supervisory Commission: https://www.fsc.gov.tw/en/home.jsp?id=54&parentpath=0,2. https://www.npa.gov.tw/en/app/news/list?module=headnews&id=18009
Check before you film: 31 August 2026: financial sector, prosecutors and police held a joint anti-fraud summit (Financial Supervisory Commission). still to confirm: Consumer Protection Committee hotline 1950, Financial Ombudsman Institution phone and prerequisites, any refund rules.
Read at the official sites: 26 October 2026

Tanzania

Police cybercrime reporting: Tanzania Computer Emergency Response Team. https://www.tzcert.go.tz/
Your bank, and the money-back rules: Complain to your bank or financial service provider first; it should resolve within 14 days. If it fails to respond within 14 days or you are dissatisfied, you may complain to the Bank of Tanzania within 14 days. Overall deadline: two years after the cause arose. Bank of Tanzania aims to decide within 45 days. https://www.bot.go.tz/DFDI/ConsumerProtection
If the bank or provider says no: Bank of Tanzania, Financial Consumer Protection. +255 26 2963182. Email info@bot.go.tz. https://www.bot.go.tz/DFDI/ConsumerProtection
Scam adverts and websites: Tanzania Communications Regulatory Authority. 0800 008272. Email dawatilahuduma@tcra.go.tz. A scam-text short code was not shown. https://www.tcra.go.tz/contact-us
Press office: Bank of Tanzania public notices. https://www.bot.go.tz/PressRelease
Check before you film: still to confirm: a police fraud reporting line, the scam-text short code (15040 is widely cited but was not found on the regulator's pages read), the Fair Competition Commission consumer route, mobile money reversal rules.
Read at the official sites: 26 October 2026

Thailand

Report the scam: Anti Online Scam Operation Center (AOC 1441), Ministry of Digital Economy and Society. 1441 (24 hours; phone only). Press 1 to request suspension of a suspicious account; 2 if your own account was frozen; 3 for advice. You should receive a Police Case ID by SMS within 24 hours and must see a police investigator within 7 days. https://mdes.go.th/link-mission/detail/9127-ศูนย์ปฏิบัติการแก้ไขปัญหาอาชญากรรมออนไลน์--AOC-1441-
Police cybercrime reporting: Thai Police Online, Technology Crime Suppression Center of the Royal Thai Police. https://www.thaipoliceonline.go.th/
Your bank, and the money-back rules: Call 1441 to freeze the receiving account, and your bank.
If the bank or provider says no: Bank of Thailand Helps / Complaints. 1213. https://services.bot.or.th/cpm
Consumer protection agency: Office of the Consumer Protection Board. https://www.ocpb.go.th/
Scam adverts and websites: Anti-Fake News Center Thailand (verify suspicious pages and links). 1111 extension 87 (24 hours). https://www.antifakenewscenter.com
Press office: Ministry of Digital Economy and Society news. Bank of Thailand news: https://www.bot.or.th/en/news-and-media/news.html. https://mdes.go.th/news
Check before you film: 16 October 2026: the ministry and the Royal Thai Police warned of a fake Facebook page posing as police and offering scam victims a way to claim money back. Recovery offers are a known second scam. 14 October 2026: the Bank of Thailand hosted the launch of the International Monetary Fund and World Bank 'Bangkok Blueprint' on fraud-resilient financial services. still to confirm: consumer board hotline, any refund rule.
Read at the official sites: 26 October 2026

Uganda

Report the scam: Uganda Police Force. 999 / 112 (emergency). No dedicated fraud or cybercrime reporting channel shown on the homepage. https://www.upf.go.ug/
Your bank, and the money-back rules: Contact your bank or mobile money provider.
If the bank or provider says no: Bank of Uganda Help Desk. The only contact channel on the Bank of Uganda financial consumer protection page. https://bankofuganda.zohodesk.com/portal/
Scam adverts and websites: Uganda Communications Commission complaints. 0800 222 777 (toll-free). Telecoms complaints; scam route not specified. https://www.ucc.co.ug/file-your-complaint/
Press office: Uganda Police Force press releases. https://upf.go.ug/category/press-release/
Check before you film: still to confirm: police cybercrime unit route, mobile money reversal procedures, national consumer agency, short code for scam texts.
Read at the official sites: 26 October 2026

United Arab Emirates

Report the scam: Ministry of Interior eCrimes platform (MoI UAE app); Dubai Police eCrime; Abu Dhabi Police Aman. 999. Also the federal Public Prosecution's 'My Safe Society' app. https://u.ae/en/information-and-services/justice-safety-and-the-law/cyber-safety-and-digital-security/report-cybercrimes-online
Police cybercrime reporting: Ministry of Interior eCrimes platform. https://www.ecrime.ae/
Your bank, and the money-back rules: Complain to your bank first. https://www.sanadak.gov.ae/en
If the bank or provider says no: Sanadak, the financial and insurance ombudsman unit (Central Bank of the UAE). 800 SANADAK (800 72 623 25). Eligible after you complain formally to your bank and 15 calendar days pass without a satisfactory written reply. https://www.sanadak.gov.ae/en
Consumer protection agency: Ministry of Economy and Tourism, Contact and Consumer Protection Center. 800 1222; WhatsApp +971 800 1222. https://www.moet.gov.ae/consumer-complaints1
Scam adverts and websites: Central Bank of the UAE Fraudulent Reporting Form (fraud misusing the Central Bank's name). https://centralbank.ae/en/our-operations/risk-management/cyber-security-centre-of-excellence-1/fraudulent-reporting/
Press office: Central Bank of the UAE press releases. Ministry of Economy and Tourism media centre: https://www.moet.gov.ae/media-centre. https://centralbank.ae/en/news-and-publications/news-and-insights/press-release/
Check before you film: The Ministry of Economy is now the Ministry of Economy and Tourism (moec.gov.ae redirects to moet.gov.ae).
Read at the official sites: 26 October 2026

United Kingdom

Report the scam: Report Fraud (national fraud and cyber crime reporting service, run by the City of London Police; England, Wales and Northern Ireland). 0300 123 2040 (from abroad +44 300 123 2040); phone agents 24 hours a day, 7 days a week, with reduced availability 8pm to 8am; live chat 8am to 8pm every day; textphone 0300 123 2050. English and Welsh, plus a service to make a fraud report in your own language. https://www.reportfraud.police.uk/
Police cybercrime reporting: Scotland: Police Scotland on 101. England, Wales and Northern Ireland: Report Fraud handles cyber crime as well as fraud.
Forward scam texts: 7726 for scam texts (free, through most phone providers, per the National Cyber Security Centre). 159 connects you to your bank when you get an unexpected call about money (Stop Scams UK; 25 banks and providers take part).
Your bank, and the money-back rules: Tell the bank straight away and ask for a refund; a Report Fraud crime reference number helps. Unauthorised payments, Payment Services Regulations 2017: the bank must refund no later than the end of the business day after it learns of the transaction (regulation 76); the customer can be asked to pay up to £35 where a lost or stolen card or device was misused, and all losses only for fraud or gross negligence (regulation 77); report no later than 13 months after the debit date (regulation 74). Bank transfers the victim authorised (authorised push payment fraud), Payment Systems Regulator mandatory reimbursement since 7 October 2024: covers Faster Payments and CHAPS transfers between UK accounts made on or after that date; up to £85,000 per claim; optional excess of up to £100 (never for vulnerable customers); claim within 13 months of the payment; refund expected within 5 business days, or up to 35 business days if the bank stops the clock; no refund if the victim was complicit or grossly negligent (gross negligence does not apply to vulnerable customers). Credit cards, Consumer Credit Act 1974 section 75: the card issuer shares liability for single items priced over £100 and up to £30,000.
If the bank or provider says no: Financial Ombudsman Service: https://www.financial-ombudsman.org.uk/ ; 0800 023 4567 (8am to 5pm, Monday to Friday), from abroad +44 20 7964 0500. Complain to the bank first; for fraud, scams and payment complaints the bank has 15 days to respond (most other complaints 8 weeks); bring the case to the Ombudsman within 6 months of the final response. Free.
Consumer protection agency: Citizens Advice consumer helpline (England): 0808 223 1133, Welsh-speaking 0808 223 1144, Monday to Friday 9am to 5pm; reports passed to Trading Standards: https://www.citizensadvice.org.uk/consumer/get-more-help/if-you-need-more-help-about-a-consumer-issue/
Scam adverts and websites: Advertising Standards Authority scam ad report form (paid online ads, including social media and paid search); used to send Scam Ad Alerts to platforms and ad networks: https://www.asa.org.uk/make-a-complaint/report-an-online-scam-ad.html
Identity theft or SIM swap: Cifas Protective Registration: £30 for two years, adds extra identity checks when your details are used to apply for products: https://www.cifas.org.uk/pr
Press office: Report Fraud press and media enquiries: https://www.reportfraud.police.uk/press-and-media-enquiries/
Check before you film: Report Fraud replaced Action Fraud from 4 December 2025 for England, Wales and Northern Ireland (City of London Police). Payment Systems Regulator reported £243 million returned to fraud victims in the first year of mandatory reimbursement (news item dated 9 July 2026). Above £85,000 a victim can go to the Financial Ombudsman Service, whose award limit the Payment Systems Regulator gives as £430,000. Citizens Advice numbers above are for England; Scotland and Northern Ireland have separate pages.
Read at the official sites: 26 October 2026

United States

Report the scam: Federal Trade Commission (FTC) ReportFraud. Federal Trade Commission Consumer Response Center 1-877-382-4357 (1-877-FTC-HELP);. English and Spanish (website). https://reportfraud.ftc.gov/
Police cybercrime reporting: Federal Bureau of Investigation Internet Crime Complaint Center (IC3): https://www.ic3.gov/ (complaints filed at complaint.ic3.gov; no public phone line for complaints)
Forward scam texts: 7726 (SPAM) for scam texts, as stated by the Federal Trade Commission
Your bank, and the money-back rules: Contact the card issuer, bank, payment app, wire transfer company, gift card issuer or cryptocurrency exchange immediately and ask for a refund or reversal (Federal Trade Commission guidance). Credit cards: Truth in Lending and Fair Credit Billing rules limit liability for unauthorised charges to $50; billing-error disputes must reach the issuer within 60 days after the first bill showing the error was sent. Debit cards and other electronic transfers: Regulation E (12 CFR 1005.6) caps liability at $50 if the customer reports within 2 business days of learning of a lost or stolen card, up to $500 after that, and unauthorised transfers shown on a statement must be reported within 60 days of the statement being sent or the customer can be liable for later transfers. Regulation E covers unauthorised electronic transfers only; a transfer the victim authorised (for example a payment sent to a scammer through Zelle or a wire) has no federal refund right. Cryptocurrency payments do not have the same legal protections as credit and debit cards (Federal Trade Commission).
If the bank or provider says no: Consumer Financial Protection Bureau complaints: https://www.consumerfinance.gov/complaint/ ; phone (855) 411-2372, TTY (855) 729-2372, 9am to 6pm Eastern, Monday to Friday, excluding federal holidays
Consumer protection agency: Federal Trade Commission: https://consumer.ftc.gov/
Identity theft or SIM swap: IdentityTheft.gov (Federal Trade Commission): https://www.identitytheft.gov/
Press office: Federal Trade Commission Office of Public Affairs: https://www.ftc.gov/about-ftc/bureaus-offices/office-public-affairs
Check before you film: the notice may be left over from an earlier shutdown, so open the site before filming. No phone number is listed on ReportFraud itself. No regulator route for reporting scam adverts was found (still to confirm). Consumer Financial Protection Bureau complaint page last modified 5 October 2026.
Read at the official sites: 26 October 2026

Being verified next

Chile, Mexico, Peru, Philippines, Saudi Arabia, Türkiye, Vietnam. Their official reporting routes will be added once each is read at its official site.

Spotted a change, such as a new number or a renamed body? Write to support@utilforge.org. Routes change: the United Kingdom's Action Fraud became Report Fraud on 4 December 2025, and South Africa's banking ombudsman is now the National Financial Ombud Scheme.

Free to reuse, repackage and publish, in any format and on any channel, for public safety, with a link to UtilForge.org. Creative Commons Attribution 4.0 International.