Banks Warn: New Scam Targets Account Holders

12 March 2026 Poland Radar 0 Comments

Banks warn about a new banking scam that begins with an SMS or call. Learn how to protect your account and act fast.

Banks across Poland issued fresh warnings this week about a new banking scam that starts with an ordinary SMS or phone call. Consequently, criminals impersonate bank staff and pressure victims to act immediately. As a result, people risk losing large sums or even all their savings.

Table of Contents

New banking scam: how it works

Scammers begin with a short SMS or a phone call that looks official. They often use spoofed numbers to seem credible. Moreover, messages frequently mention a blocked card or suspicious payment. Therefore the message asks you to click a link or read out a code. Do not click unknown links or install unknown apps. In addition, callers ask for one-time passwords or for remote-access steps. Scammers also impersonate institutions like ZUS or NFZ to create urgency. ZUS is the social insurance institution and NFZ is the national health fund. They might threaten fines or a mandat to frighten you. However, legitimate banks do not ask for your full password or OTP by phone.

How banks and authorities respond

Banks publish alerts on their websites and in apps. Moreover, they advise customers to verify every unexpected request. Therefore banks tell customers to call the official hotline found on their website or on the back of their card. In addition, many banks offer instant card blocks in their apps. As a result, you can limit theft within minutes. Police and bank fraud teams investigate these cases, and sometimes banks reverse fraudulent transfers. However, recovery depends on timing and the details of each case.

Practical steps for account holders

First, never share one-time passwords, PINs, or card details. Next, ignore links in unexpected SMS messages. Moreover, confirm suspicious calls by dialing your bank’s official number. In addition, keep screenshots of messages and record call times. Then report fraud to your bank and to the Policja. Policja is the national police and will issue a crime report. Therefore acting quickly improves your chances of a positive outcome.

💡 GOOD TO KNOW: If you live in Poland, learn a few key rules. Banks never ask for OTPs, full passwords, or your full card number by phone. Keep your PESEL number (Polish national ID number) private unless an official agency truly needs it. If someone mentions ZUS (social insurance), NFZ (national health fund), or threatens a mandat (fine), pause and verify. Call your bank using the number on your bank card or its official website. Moreover, ask for English-language help if you need it. Finally, report any suspected fraud to your bank and to the Policja, and keep screenshots and messages as proof.

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