Canada: How to Report Bank Fraud
If money left your account without your permission, or you were tricked into sending it, contact your bank or payment provider straight away. The faster they hear from you, the better the chance of stopping or recovering the money. Below are the official fraud and card lines for 6 providers in Canada.
Do this first
- Call your bank’s fraud or card line now. Use a number from this page, the back of your card, or your bank’s official app. Never use a number from a text, an email, a caller or a search ad.
- Block your card or freeze your account in the app if you can, and change your online banking password.
- Ask the bank for a reference number, and write down the time you reported it.
- Report it to the police as well: see who handles cybercrime in Canada.
- Keep everything: messages, call logs, screenshots and transaction IDs. Your bank will never ask for your PIN, password or a one-time code.
Know this about Canada
- The debit card code covers transactions you did not authorise. If you sent the money yourself, for example an Interac e-Transfer to a scammer, a refund is at your bank's discretion.
Bank and payment fraud lines
Royal Bank of Canada (RBC)
Bank- Credit card lost, stolen or fraud (North America):1-800-769-2512(24/7)
- Credit card, from outside North America (collect):1-514-392-9167(24/7)
- Telephone banking:1-800-769-2511
- Online and mobile banking:1-800-769-2555
- TTY/TDD:1-800-661-1275
App or online: RBC Mobile app or Online Banking: lock your card.
Report phishing: phishing@rbc.com
TD Canada Trust
Bank- Suspicious activity on personal accounts:1-866-222-3456
- Credit card fraud:1-800-983-8472(24/7)
App or online: TD app: More › Contact Us › Call Us › Accounts › Suspected Fraud.
Report phishing: phishing@td.com
BMO Bank of Montreal
Bank- Report fraud:1-877-225-5266
Report phishing: phishing@bmo.com
Scotiabank
Bank- Report fraud (unrecognised transaction, or you shared details with a scammer):1-866-625-0561
- Dispute with a merchant you recognise:1-800-472-6842
- From outside Canada and the US:416-701-7200
- Relay service (deaf or hard of hearing):1-866-267-4726
Report phishing: phishing@scotiabank.com
CIBC
Bank- Debit card or identity fraud:1-800-465-2422
- Credit card fraud:1-800-465-4653
- Email and website fraud:1-888-872-2422
- Business banking fraud:1-800-663-4575
- Commercial banking fraud:1-800-500-6316
Email: fraud@cibc.com
Report phishing: fraud@cibc.com
Interac e-Transfer
Instant paymentsApp or online: Report a fraudulent e-Transfer to your own bank or credit union: Interac does not handle transaction problems.
Report phishing: phishing@interac.ca
Wallet guides: Interac e-Transfer fraud help
If your bank won’t help
Canadian Anti-Fraud Centre (CAFC)
National centre for reporting fraud and cybercrime; reports help police investigations, but it does not recover money.
Report online at reportcyberandfraud.canada.ca (you can stay anonymous) or call 1-888-495-8501, Mon–Fri 10am–4:45pm Eastern. Also report to your local police.
Official websiteComplaint to your bank
Formal complaint when your bank refuses a refund or mishandles your fraud claim.
Complain to the bank first, in person, by phone or online. It must give you a detailed written response within 56 calendar days.
Official websiteOBSI (Ombudsman for Banking Services and Investments)
Free, independent body that handles banking complaints your bank has not resolved.
Go to OBSI after 56 days or after the bank's final written response. Toll-free 1-888-451-4519, Toronto area (416) 287-2877, TTY 1-844-358-3442. Its recommendations are not binding on the bank.
Official websiteYour rights
- Canadian Code of Practice for Consumer Debit Card Services. You are not liable for unauthorised debit card losses beyond your control, but you can share the loss if you voluntarily disclosed your PIN or reported late. Your bank must respond to a report of an unauthorised transaction within 10 business days. Source
- Bank complaint timeline. Your bank must give a detailed written response within 56 calendar days. After that, you can take the complaint to OBSI. Source
Report it to the police too
Banks often ask for a police report before they investigate. Cybercrime agencies in Canada lists who to report to, and our step-by-step guide covers the rest: How to Report Fraud in Canada (and Get Your Money Back).
Every number on this page was read on the provider’s or regulator’s own website on 3 October 2026. Banks change numbers, so if one doesn’t work, use the number on your card or in the official app, and tell us so we can fix it. See every country in the Bank Fraud Help directory.