Fraud Prevention

Bank of Punjab Cyber Security — Fraud Prevention Guide

Genuine BOP contact channels, common fraud patterns, and exactly how to report a compromised card fast.

24/7 Fraud Line: 111-267-200
Never Share Your OTP
Verified Sep 1, 2026

Written & reviewed by Dildar Hussain — 10+ years in Pakistani banking, BS Banking & Finance (NUML University)

Bank of Punjab cyber security starts with knowing which contact channels are genuinely BOP's and which numbers or messages are impersonation attempts. Below are BOP's official fraud-reporting channels, and the patterns fraudsters commonly use to target its customers.

The single most reliable rule: Bank of Punjab will never ask you to share your OTP, full card number, CVV, or online banking password over a phone call, SMS, WhatsApp message, or email — regardless of how official the request appears or how urgent it sounds.

Genuine BOP Contact Channels

24-Hour Phone Banking: 111-267-200
Credit Cards Helpline: (042)-111-297-200
Complaints Email: complaints@bop.com.pk
Official Website: bop.com.pk only

Contact channels confirmed from BOP's official Contact Us and Complaints pages, last verified August 17, 2026.

If Your Card Is Lost, Stolen, or Compromised

Call Immediately

Report a lost, stolen, misplaced, or damaged card straight away by calling 111-267-200, available 24 hours.

Lock via digiBOP

Use the digiBOP app's card management feature to instantly lock your debit or credit card without waiting on a call.

Visit a Branch

Follow up at your nearest BOP branch to request a replacement card once the compromised one is blocked.

Common Fraud Patterns to Recognize

Fraudulent messages impersonating BOP typically create urgency — claiming your account will be blocked, or offering a fake "discount" or "prize" that requires entering card details on a link outside bop.com.pk or the digiBOP app. Genuine BOP merchant discount campaigns are always confirmable inside the digiBOP app or on bop.com.pk/Card-Discounts itself, never through an unsolicited link requiring your card number or OTP.

SIM Swap Fraud — A Growing Threat to digiBOP and Raast

One of the more dangerous current fraud patterns targeting Pakistani bank customers doesn't start with a suspicious link at all — it starts with your mobile number. In a SIM swap attack, a fraudster tricks or bribes your mobile operator into issuing them a new SIM card on your number, using social engineering or your compromised personal data. Since digiBOP is SIM-bound and Raast transfers are tied to your registered mobile number, whoever controls your SIM can potentially receive your OTPs and attempt to take over your banking access — without ever needing your password.

Warning signs include your phone suddenly losing network signal or showing "No Service" for no reason (a sign your number may have just been ported to another SIM), or receiving an SMS from your mobile operator confirming a SIM replacement you didn't request. If this happens, contact your mobile operator immediately to block the swap and contact BOP's 24-hour line to freeze your account access, in that order — the SIM is the first thing to secure, since it's the channel fraudsters use to intercept your account recovery and OTPs.

SIM swap fraud mechanics confirmed against State Bank of Pakistan's published digital banking security guidance and multiple 2026 Pakistan-focused cybersecurity advisories on Raast-linked SIM swap fraud. Report SIM-related banking fraud to BOP's helpline and, for the SIM compromise itself, your mobile network operator and Pakistan's National Cyber Crime Investigation Agency (NCCIA).

How to Report Fraud

Report suspected fraud immediately by calling 111-267-200, emailing complaints@bop.com.pk, or visiting your branch in person. If a complaint about a fraudulent transaction remains unresolved beyond BOP's stated timeline, escalate to Banking Mohtasib Pakistan at (+92 21) 99217334-38 or info@bankingmohtasib.gov.pk.

Protecting Yourself Proactively

Beyond reacting to a specific fraud attempt, a few habits meaningfully reduce your exposure: never save your BOP card details on unfamiliar shopping sites, enable Face ID or Touch ID login in digiBOP rather than relying solely on a password, and periodically review your transaction history in the app rather than waiting for a monthly statement to catch an unauthorized charge. If you ever feel pressured to act immediately on a call claiming to be from BOP, hang up and call 111-267-200 yourself using the number from this page rather than any number the caller provides. This applies equally whether you bank in Lahore, Karachi, Islamabad, or a smaller city — fraud patterns and BOP's official response don't vary by location.

Frequently Asked Questions

What should I do if my BOP card is lost or stolen?

Report a lost, stolen, or damaged Bank of Punjab card immediately by calling BOP's 24-hour phone banking service at 111-267-200, or by locking it instantly through the digiBOP app's card management feature.

Will Bank of Punjab ever ask for my OTP or full card number by phone?

No. Bank of Punjab will never ask you to share your OTP, full card number, CVV, or online banking password over a phone call, SMS, or email. Any such request is a fraud attempt, regardless of how official it appears.

How do I know if a BOP SMS or call is genuine?

Genuine BOP communications never ask you to click a link and enter your OTP, PIN, or full card number. If in doubt, hang up or ignore the message and call 111-267-200 yourself using the number from this page, rather than any number or link the message provides.

What is the BOP credit card fraud helpline?

Credit card-specific fraud can be reported via the same 24/7 line, 111-267-200, or the dedicated Credit Cards Helpline, (042)-111-297-200.

Can I recover money lost to a BOP account scam?

Report it immediately — the faster a fraudulent transaction is reported, the higher the chance of recovery or reversal. File a written complaint with the transaction details, and escalate to Banking Mohtasib Pakistan if BOP's response is unsatisfactory.

Are fake BOP job or loan offers common?

Yes. Fraudsters commonly impersonate BOP with fake job offers, loan pre-approvals, or lottery/prize notifications requiring an upfront "processing fee." BOP does not charge upfront fees to release a loan or job offer — treat any such request as fraud.

What is SIM swap fraud and how does it affect BOP banking?

SIM swap fraud is when a criminal tricks your mobile operator into issuing a new SIM on your number to intercept your OTPs. Since digiBOP is SIM-bound and Raast uses your phone number, this can potentially expose your banking access. Watch for sudden loss of mobile signal or an unexpected SIM-replacement SMS — if this happens, contact your mobile operator and BOP's helpline immediately.

Good For

Knowing which BOP numbers and channels are genuine
Understanding what BOP will never ask for by phone or SMS
Locking a compromised card fast, without waiting on hold
Recognising fraudulent "discount" or "urgent" messages impersonating BOP

Suspect fraud on your BOP account?

Call BOP's 24-hour phone banking line immediately to lock your card and report the issue.

Call 111-267-200 See Full Complaint Process