Fraud help in Serbia: take the first steps
Fraud can begin with a message that appears to come from a bank, public authority or trusted business. If you have been deceived in Serbia, securing your accounts and documenting the contact can help you take the next steps with confidence. This fraud help guide for Serbia brings together practical steps and official resources so you can decide whom to contact and what information to prepare.
Start with the most immediate risk. If money or bank access is involved, contact your bank promptly. Keep the original messages and documents, and write down what happened while it is fresh in your mind. You can ask for help before you have gathered every piece of evidence.
Use the right reporting service
Police handle suspected criminal conduct, while the National CERT handles cybersecurity incidents. The National Bank of Serbia provides a separate complaints route for eligible disputes with financial-services providers. Start with the official reporting guidance for Serbia, then follow the relevant sections below for banking, identity protection and consumer complaints. Keep copies of reports and reference numbers so you can follow up consistently.
Check suspicious letters and payment requests
A real company name, familiar logo or official-looking document is not enough to establish authenticity. Read our guide to company letterhead security and impersonation scams, and learn how secure business communication can help organisations make correspondence easier to verify.
Contact the claimed sender through details you find independently before taking further action. Be cautious of unsolicited recovery offers that demand an advance payment or promise guaranteed results. For incidents involving another jurisdiction, visit the country-by-country Fraud Help directory.
1. Stop Further Losses
If someone is in immediate danger or urgent emergency assistance is needed, call 192 for urgent police assistance. Use the police reporting routes below for non-emergency complaints.
Stop communicating with the suspected scammer and do not send more money. Contact your bank immediately if money, card details or account access are involved. Save messages, payment records and suspicious documents. If someone has remote access to your device, disconnect it from the internet and contact your bank from another trusted device.
2. Contact Your Bank or Payment Provider
Use your bank’s official app or a trusted telephone number. Explain whether a payment was unauthorised or you were deceived into approving it. Ask about securing cards and online banking, tracing transactions and any available recall or dispute process. Keep a written record of your notification and the bank’s response. Do not send money to a caller’s supposed “safe account”. Recovery depends on the circumstances and is not guaranteed.
Tell the bank which credentials or identification methods were exposed, whether you installed remote-access software and whether you approved any payment. Ask for a case reference and written instructions. If you disagree with its response, request its formal complaint procedure and the relevant dispute-resolution route.
3. Report the Fraud to Police
Report suspected fraud or impersonation to the nearest police station. Explain whether the incident involved online accounts, financial loss, threats or misuse of identity, and ask how to submit supporting digital evidence. The government guidance linked here specifically addresses impersonation of police officers.
Prepare a short timeline, payment records, recipient account details, original messages, website addresses and copies of suspicious documents. Explain how the contact began and what money or information you shared. Keep the complaint reference and any instructions for providing additional evidence.
4. Report Cybercrime and Online Fraud
Report criminal online fraud to police and ask about referral to the competent cybercrime prosecutor. The National CERT FAQ distinguishes technical incident reporting from reporting offences to the Special Prosecutor's Office for Cybercrime. Use CERT's incident reporting service for issues such as compromised credentials or malware; it is not a substitute for a criminal complaint. Serbia also provides the government Sajber straža platform for cybercrime prevention and reporting information.
Keep original evidence and use a trusted device to secure affected accounts. Do not send passwords, one-time codes or full payment-card details in an incident report.
5. Protect Your Identity
Notify every bank, lender, telecom provider or online platform where your identity was misused. Dispute unfamiliar accounts or debts in writing and keep the replies. Change compromised passwords from a trusted device, secure your email first and enable two-factor authentication. If an identity document is lost or stolen, contact its issuing authority about reporting, blocking or replacement.
Report suspected criminal identity misuse to police and list the affected accounts or contracts. Notify the issuer of any compromised digital identity or electronic signature. Keep unfamiliar credit notices and invoices, and dispute fraudulent agreements directly with the organisation concerned.
6. Protect Your Credit
Review unfamiliar loan applications, credit enquiries, invoices and collection letters. Contact the lender and any credit-information provider named in the correspondence, ask for access to the information held about you and dispute inaccurate entries in writing. Keep your police reference and supporting documents. Ask each provider about available fraud alerts or protective measures and their scope. Do not assume that one request freezes every account or removes an existing debt.
7. Consumer-Protection Resources
First complain to your financial-services provider. If its response is unsatisfactory or the applicable response period has passed, consult the National Bank of Serbia about an eligible complaint or mediation proposal. Keep the original complaint, proof of delivery and provider response. This route concerns regulated financial services.
National Bank of Serbia — complaints and mediation: https://nbs.rs/en/ciljevi-i-funkcije/zastita-korisnika/prigovor/index.html
For a purchase dispute, keep the order confirmation, receipts, advertised terms and correspondence. Ask your payment provider about any available dispute or chargeback process without waiting for a regulator’s response. Recovery depends on the circumstances.
8. Employment and Immigration Fraud
Verify the employer through independently sourced contact details. Keep the job advertisement, offer letter, recruiter messages and payment requests. Report fraudulent adverts to the hosting platform. If you paid money or shared identity documents, contact your bank and police and follow the identity-protection steps above. For immigration claims, confirm the procedure and official fees with the responsible authority or consulate; a professional-looking letter does not prove that it is genuine.
Do not receive or forward money through your personal account for an unverified employer. For a claimed job or permit in Serbia, independently contact the employer and the responsible government authority or consulate. Preserve forged offers and payment requests for police.
Official Contacts and Telephone Numbers
Emergency assistance: 192 for urgent police assistance.
Police or formal complaint guidance: https://www.srbija.gov.rs/vest/698661/lazne-policajce-prijaviti-najblizoj-policijskoj-stanici.php
Cybercrime or technical incident guidance: https://cert.rs/en/cesto-postavljana-pitanja.html
National Bank of Serbia — complaints and mediation: https://nbs.rs/en/ciljevi-i-funkcije/zastita-korisnika/prigovor/index.html
Report the Fraud
Serbian Police / Ministry of Interior
Official Sources
Received a suspicious business document?
Check whether a document issued through VerifiableLetter is authentic.
Important: This guide provides general information, not legal, financial or emergency advice. Procedures and contact details can change. Confirm requirements with the relevant authority. Reporting does not guarantee investigation, reimbursement or recovery.