SBI Response Guide

ByDj22

What to Do If You Have Been Scammed

If your State Bank of India (SBI) account, debit card, credit card, internet banking, YONO SBI account, or UPI account has been used in a fraudulent transaction, take the following steps immediately.

Step 1: Call 1930 Immediately

If the fraud has occurred recently, call the National Cyber Crime Helpline (1930) without delay.

Keep the following information ready:

  • Account number
  • Registered mobile number
  • Transaction ID / UTR
  • Date and time of transaction
  • Amount involved
  • Beneficiary account or UPI ID (if known)

Write down your complaint reference number.

Step 2: Contact SBI Immediately

Report the incident through SBI’s official customer care or by visiting your nearest SBI branch.

Official SBI Customer Care

  • Toll Free: 1800 1234
  • Toll Free: 1800 2100
  • Toll Free: 1800 11 2211
  • Toll Free: 1800 425 3800
  • Toll: 080-26599990

For reporting unauthorised electronic transactions:

  • 1800 11 1109
  • 94491 12211
  • 080-26599990

These are SBI’s published customer care numbers for fraud reporting and customer assistance.

When speaking with the bank, request that they:

  • Record the transaction as fraudulent.
  • Block your debit or credit card if necessary.
  • Disable internet banking or UPI access if your credentials have been compromised.
  • Review your account for any additional unauthorised transactions.
  • Generate a complaint or service request number.

Always note:

  • Date and time of your call
  • Complaint number
  • Name or employee ID of the representative (if provided)

Step 3: Secure Your SBI Accounts

If you suspect your credentials have been compromised:

  • Change your Internet Banking password.
  • Reset your YONO SBI password.
  • Change your UPI PIN (if disclosed).
  • Block and replace compromised debit or credit cards.
  • Review your registered mobile number and email address.
  • Check your beneficiary list and linked devices.
  • Log out from all active sessions where possible.

Step 4: Preserve All Evidence

Do not delete messages or transaction records.

Preserve copies of:

✓ Transaction IDs

✓ UPI IDs

✓ SMS alerts

✓ Bank statements

✓ Screenshots

✓ Emails

✓ WhatsApp chats

✓ Call recordings (if available)

✓ Fraudster’s phone numbers

✓ Complaint reference numbers

✓ Website URLs and social media profiles used by the fraudster

Step 5: File an Online Complaint

Report the incident through the National Cyber Crime Reporting Portal.

Include:

  • Transaction details
  • Timeline of events
  • Screenshots
  • Supporting documents
  • Complaint reference numbers

Retain the acknowledgement receipt.

Step 6: Visit Your SBI Branch (If Required)

Carry:

  • Government-issued identity proof
  • Passbook or account details
  • Transaction records
  • Complaint reference numbers
  • Copies of supporting evidence

Request written acknowledgement of your complaint wherever possible.

Step 7: Monitor Your Account

Continue monitoring your SBI account for:

  • Additional unauthorised transactions
  • New beneficiaries
  • Failed login attempts
  • Unrecognised UPI mandates or AutoPay instructions
  • Changes to your registered mobile number or email address

Immediately report any suspicious activity to SBI.

Important Safety Tips

  • Never share your ATM PIN, UPI PIN, OTP, CVV, or Internet Banking password.
  • Never approve a UPI Collect Request unless you initiated it.
  • Never scan a QR code to receive money.
  • Never install remote access applications at the request of callers claiming to be from SBI.
  • Verify all communications using SBI’s official customer care channels.

SBI also advises customers to be alert to phishing attempts, fake KYC messages, and fraudulent websites designed to steal banking credentials.

If Your Debit Card Has Been Compromised

Block your debit card immediately using:

  • SBI Customer Care
  • YONO SBI
  • Internet Banking
  • Your nearest SBI branch

If using Internet Banking, you can block your debit card through e-Services → ATM Card Services → Block ATM Card, after which SBI generates a ticket number confirming the request.

Keep These Reference Numbers Safe

Maintain a record of:

  • Cyber Helpline (1930) complaint number
  • SBI complaint number
  • Bank reference number
  • Cyber Crime Portal acknowledgement
  • FIR or police complaint number (if filed)

These may be required during follow-up with the bank or investigating authorities.

Remember

The sooner you report the fraud, the greater the opportunity for banks and investigating agencies to respond. Do not delay reporting, even if you are uncertain whether the transaction was fraudulent. Preserve all evidence, secure your account immediately, and continue monitoring your account for any further suspicious activity.

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