Bank fraud in Belgium

Why this page exists

• Serious bank fraud almost always tries to get a code, a confirmation or a money transfer.

Situations often encountered

• fake bank adviser
• blocked bank account Belgium
• digipass code requested
• transfer to secure account

What the fraudster is trying to get

• In cases linked to the bank fraud guide, the aim is usually to make you act before you have time to check: click, pay, share a code or open access to an account.
• Urgency, fear of losing money and copying a well-known organisation are used to lower your attention. None of these elements proves that the request is real.

Check through an independent channel

• Do not start from the message you received. Open the official website or app yourself, or use a number already shown on a reliable document.
• Compare the sender, the exact domain, the beneficiary and the action requested. One consistent detail is not enough if the rest of the process leaves the official channel.

What to do now

• Never give your code.
• Call your bank using the official number.
• Block the card if any details have been entered.

If you have already interacted

• Stop the exchange. Change the login details you entered through the official app or website and enable two-factor authentication when available.
• Contact your bank quickly if a payment, card, IBAN, code or confirmation is involved. Keep any useful evidence for a report.

What this hub covers

• This hub points you towards banking phishing, fake adviser, Card Stop, card collector and transfer fraud.
• Choose the relevant page based on the channel and the action, not just the bank’s name.

Triage and urgency level

• Identify whether the request concerns a secret code, a confirmation, a beneficiary, a card or remote access.
• The bank must be contacted immediately when an operation or access has been authorised.

Limit of this classification

• This hub does not certify the identity or reliability of a contact. For this type of case, the first check remains the following: Identify whether the request concerns a secret code, a confirmation, a beneficiary, a card or remote access.
• A situation can fall into several categories. Go to the page whose risky action matches the real case: Choose the relevant page based on the channel and the action, not just the bank’s name.

Limits of this page

• This page does not prove that a message is safe and does not replace your bank, the police, Safeonweb, a platform or a public service.
• A scam may be new, very well written or described with too little context. Use the result as decision support, not as absolute certainty.
• Before taking a final action, checking through the official channel matters more than the appearance of the received message.

Check through an official channel

• Type the service address yourself or open the official app. Do not use a phone number, link or QR code from the suspicious message to verify the situation.
• When money, card details, a code or account access are involved, the safety action comes first. The analysis can then help organise the evidence.

How to read the result

• A low number of signals does not mean that everything is safe. It only means that this page or analysis did not find decisive evidence with the information available.
• Focus on the requested action: paying, sharing a code, installing an app, approving a bank action or leaving an official platform. That action matters more than a logo, sender name or polished wording.
• If the situation feels urgent, step away from the received message first. Then check calmly through a channel you already trusted before the message arrived.

Belgian reading of this situation

• For the bank fraud guide, focus on the relevant Belgian next step: open the official channel yourself, contact the bank, use Safeonweb or preserve evidence.
• The right decision for the bank fraud guide depends on what has already happened. Reading a message is not the same as clicking, paying, sharing a code or granting remote access.

What to do now without panic

• If the bank fraud guide worries you, choose the next step from the requested action: clicking, paying, sharing a code, installing an app, sending a document or approving account access. Do not rely only on the logo or sender name.
• When the bank fraud guide involves an urgent, financial or hard-to-undo action, StopArnaques treats the situation as something that must be checked first. Polished wording, a familiar brand or a realistic amount does not make the request reliable by itself.
• If you already acted in a case involving the bank fraud guide, the order matters more than the label: contact the bank, platform or official service first, preserve evidence next, then compare the situation with similar campaigns.

What can be legitimate

• For the bank fraud guide, some notifications can be real: a delivery, invoice, administrative document, payment request, security alert or platform message. This is why this page does not claim that every similar message is automatically a scam.
• The difference in a the bank fraud guide case is verification. A real request should be visible through the app, portal, customer area or phone number that you open yourself, not only through a link, QR code or number included in the suspicious message.
• If the official environment does not show the same request about the bank fraud guide, amount, reference or beneficiary, it is safer to stop and report or verify the case before continuing.

Limits and responsibility

• For the bank fraud guide, StopArnaques helps explain signals and choose safer actions, but it does not replace your bank, the police, Safeonweb, the FPS Economy, a platform or the organisation concerned.
• A result about the bank fraud guide may remain uncertain when the text is too short, when context is missing or when the fraud uses a new variant. In that situation, slow down, verify independently and avoid any irreversible action.
• If the bank fraud guide involves a payment, code, card, identity document, itsme approval, banking app or remote access, the protective action comes first. Do not wait for a perfect label if harm may already be possible.

Keep evidence and report

• For the bank fraud guide, keep the message, date, channel, visible sender, neutralised link and useful screenshots. Do not publish personal data or clickable suspicious links on social media.
• Report the bank fraud guide to the relevant channel when appropriate, for example Safeonweb for suspicious messages, the platform for account abuse and your bank when money or payment details are involved.
• This evidence about the bank fraud guide can also help link a campaign to a case later without storing raw personal data. That matters if the system is to improve without exposing users unnecessarily.

Frequently asked questions

Useful official sources

• Febelfin - Phishing - link checked on 2026-09-17
• Febelfin - Fraude au faux support technique bancaire - link checked on 2026-09-17
• Bancontact Company - Ensemble contre la fraude aux paiements - link checked on 2026-09-17
• Card Stop - Blocage officiel des cartes de paiement - link checked on 2026-09-17
• SPF Économie - Victime d'une arnaque ? Que faire ? - link checked on 2026-09-17