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Scammed online in Nigeria? What to do now

Someone scammed you online? The steps to take in the first hour, who to contact and how to try to get your money back.

Updated October 2026
Quick answerAct fast. Contact your bank or wallet app immediately and report the transfer as fraud, keep every screenshot, report to the police or EFCC, and report the number on Plugg so others are warned.

Step by step

  1. Call your bank or open your wallet app (Opay, Moniepoint, PalmPay and others) and report the transfer as fraud right away.
  2. Save screenshots of the chat, the account details and the payment receipt.
  3. Report to the nearest police station or the EFCC.
  4. Report the number and account on Plugg so others are warned.
  5. Do not pay anyone who promises to recover your money for a fee. That is usually a second scam.

Can I get my money back?

Sometimes, if the bank acts before the money is moved. That is why the first call to your bank matters most.

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Paste any WhatsApp number or account number and see if Nigerians reported it.

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Questions people ask

Should I keep chatting with the scammer?

No. Save the evidence, then block them.

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