I was scammed or defrauded

Phishing, fake calls, deceptive transfers or a card used without permission: what to do and who to report to.

All paths

For those who prefer to read everything at once.

Unauthorised transaction: tell your bank now

Who to contact: Banco de Portugal

Report the transaction to your bank as soon as you know of it and without undue delay. Official source ↗
The bank must immediately refund the amount of the unauthorised transaction. Official source ↗
The bank may skip the refund deadline if it has reasonable grounds to suspect customer fraud and reports them to the judicial authorities. Official source ↗
File a fraud (burla) complaint with the GNR or PSP through the electronic complaint system. Official source ↗Official source ↗
If the bank does not sort it out, complain to the Bank of Portugal. Official source ↗

The refund is due by the end of the next working day after you report it. Official source ↗
The latest you can report is 13 months from the debit. Official source ↗

If the card was lost, stolen or misused you may have to bear losses of up to 50 euros. Official source ↗
With gross negligence or customer fraud, the losses can be larger. Official source ↗Official source ↗

I was tricked: report it and contact your bank

Who to contact: Queixa Eletrónica

Contact your bank immediately to report the transaction. Official source ↗
File a fraud complaint through the electronic complaint system (GNR or PSP). You must authenticate. Official source ↗Official source ↗
If the crime is under way or needs an immediate response, call 112. Official source ↗
For crimes outside the system list, go to the nearest police authority. Official source ↗

Note the number or contact used by the scammer before reporting. Official source ↗

Scam attempt: do not engage and report it

Who to contact: Polícia Judiciária

Do not give your personal data or follow the instructions you receive. Official source ↗
Note the contact number and report it to the Polícia Judiciária or another police body. Official source ↗
A known scheme is a call in the name of the PJ saying your bank account is being used in a fraud. Official source ↗
The PJ electronic complaint is in the Comunicações menu of its website. Official source ↗

Personal data misused: complain to CNPD and police

Who to contact: CNPD

The CNPD has a complain option in its citizens section. Official source ↗
If someone used another person's ID document, the crime is on the electronic complaint list. Official source ↗Official source ↗