Complaining about online bank fraud

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Police Station

When you go to the police station to complain about online bank fraud, they will ask you to file an FIR. You should make sure you give all the information you know about the online fraud that happened to you.

Online Complaint

Besides filing an FIR with the cyber crime cell of a police station, you can also file an online complaint on the Ministry of Home Affairs’ Online Crime Reporting Portal. Register a complaint by providing detailed information about the incident. You can also choose to upload files, like screenshots of the e-mails or messages you received regarding fraudulent transactions.

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Related Resources

Banks’ responsibility to prevent Online Bank Fraud

Banks must ask their customers to mandatorily register for SMS and email alerts for electronic banking transactions.

Lodging a complaint with the Bank

The Code of Bank’s Commitment to Customers (CBCC) enacted by the Banking Codes and Standards Board of India (BCSBI) lays down the rules.

Filing a complaint with the Banking Ombudsman

If solution provided by the bank is unsaisfactory and would like to further enquire the matter, you can approach the Banking Ombudsman

Customer Liability

There will be no customer liability for unauthorized transactions. However, negligence by the customer can attract customer liability.

Customer’s Right to be Protected from Online Bank Fraud

Customer's have the right to be protected from online bank fraud to receive SMS notification of all electronic banking transactions.

Maximum Customer Liability and Bank Policy

If the delay is for more than seven working days, the customer liability will be determined as per the Bank’s Board Policy

Filing a complaint for Online Bank Fraud