I was scammed online — who do I report it to?

Direct answer

Three things, in this order: (1) call your bank the moment you notice — a transfer can sometimes still be recalled within 24 hours, and a card payment charged back. (2) Report it to Policja — zawiadomienie o przestępstwie (112) so there is an official record; you need the reference number for your bank and insurer. (3) Tell CERT Polska — incydent.cert.pl (incydent.cert.pl) so the pattern gets flagged and others are warned. Keep every screenshot, the account number or IBAN you paid, and the seller's profile before you block them.

Call firstPolicja — zawiadomienie o przestępstwie

Report toCERT Polska — incydent.cert.pl

If that failsTwój bank + zastrzeżenie PESEL

🗣️ What to say

"I paid €… on [date] to [IBAN / card / platform] for [what]. I now believe this was fraud: [why]. I want to recall or dispute the payment and I need a case reference for the police report."

🪜 Step by step

Stop all contactDo not pay "release fees" or "taxes" to get money back — that is the second scam. Screenshot the ad, profile, chat and payment first, then block.
Call your bankAsk for a SEPA recall (transfer) or a chargeback (card). The sooner, the better; after 24 hours a transfer is usually gone.
Report to Policja — zawiadomienie o przestępstwieOnline where possible. Keep the reference number — your bank, insurer and the platform will ask for it.
Warn CERT Polska — incydent.cert.plThe national fraud point logs the seller, phone number and IBAN so the next person gets a warning.
Tell the platformReport the account on the marketplace or app so it is removed. Some platforms have buyer protection if you paid through them.

📇 All contacts

Policja — zawiadomienie o przestępstwieReport at a station or online; case number immediatelyAlways — the basis for bank, insurer and platform📞 112 🔗 www.policja.pl

CERT Polska — incydent.cert.plReporting scams, fake shops and phishing; SMS to 8080So the scheme is logged and blocked🔗 incydent.cert.pl

Twój bank + zastrzeżenie PESELTransfer recall, chargeback, card block; freeze your PESEL in mObywatelImmediately after paying, 24/7🔗 www.gov.pl/web/gov/zastrzez-swoj-numer-pesel

❓ Frequently asked

Will I get my money back?

Sometimes. A card payment can be charged back for weeks; a bank transfer only if the money has not left the receiving account, which is why the first hour matters. Cash, crypto and gift cards are gone.

Is it worth reporting a small amount?

Yes. Scams are prosecuted on volume: your report links to hundreds of others with the same IBAN or number. The reference is also what your bank needs.

I gave them my ID or bank details — what now?

Tell your bank, change passwords, enable two-factor login, and report identity misuse to CERT Polska — incydent.cert.pl. Watch your statements for months.

📎 Sources

Last checked: 2026-09-26

🔎 Common searches

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“scammed online what to do Poland”
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🧭 Is this still correct?

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💳 I was scammed online — who do I report it to?