How do I dispute a fraudulent bank transaction in Belgium?

Immediate summary

• A clear dispute describes the transaction, how it was approved or discovered and the measures taken. It does not promise reimbursement: the bank assesses each case under the relevant facts and rules.

What this action may have triggered

• Card payments, transfers and mobile approvals may follow different procedures.
• The bank may examine authorisation, codes used and how quickly the incident was reported.

Do this now

• Secure the affected account, cards and access first.
• Ask for the bank's official dispute procedure and follow its channel and deadlines.
• Separate the facts, disputed transactions and measures already taken.

Emergency timeline

• Now, 0-5 min: stop the interaction, close the suspicious page and do not use any link, number or QR code from the message.
• Within 30 min: contact the bank, Card Stop or the relevant service through an official channel if money, a card, a code or an account is involved.
• Today: write a short timeline with what you saw, what you did, which amounts or accounts are involved and which measures were already taken.
• This week: monitor accounts, sessions, passwords and follow-up messages; stay alert for fake helpdesk or bank calls.

Do not do this

• Do not invent details to strengthen the case.
• Do not send a secret code, PIN or password in a free-text form.
• Do not assume that a police report automatically replaces the bank dispute.

What should be checked

• Ask which transactions, dates, amounts and authentication methods are involved.
• Request an acknowledgement and case reference.

Useful evidence to keep

• Provide only requested documents with readable messages, transactions and timeline.
• Keep originals and mask unrelated information.

Prepare the next steps without false promises

• Answer follow-up questions with verifiable facts.
• If you disagree, ask which appeal or complaint channels apply to your case.

Prioritise without panic

• For the disputed bank transaction, start with what can still be protected: card, account, password, device, document, phone line or access to a service. The right order depends on what was already shared or confirmed.
• For the disputed bank transaction, a message alone usually calls for verification. A code, payment, card, identity document or remote access calls for immediate action through an official channel.

Keep evidence usable

• For the disputed bank transaction, keep the message, time, displayed sender, link, amount, reference and actions you already took. Make copies, but do not alter the original information.
• For the disputed bank transaction, mask sensitive data when asking for help outside the bank, police or official service. Full codes, cards, documents and personal data should not appear in public screenshots.

Limits of this guidance

• This page organises the dispute of a banking transaction. It does not replace your bank's conditions, deadlines or decision.
• Use the form or channel indicated by your bank, keep proof of submission and record every date on which you provided additional information.

What to do now

• If you have not acted, do not click further and open the named service's official channel yourself.
• If you clicked, close the page, enter nothing else and note what information was shown or requested.
• If you shared a code, card, password or payment, contact your bank or the relevant official service immediately.
• Keep the message, time, link used and any useful screenshots. Share them only with an official reporting channel or a trusted helper.

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 disputed bank transaction, 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 disputed bank transaction depends on what has already happened. Reading a message is not the same as clicking, paying, sharing a code or granting remote access.

Frequently asked questions

Useful official sources

• SPF Économie - Victime d'une arnaque ? Que faire ? - link checked on 2026-09-17
• 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