Central Bank of Sri Lanka
Respond to suspected unauthorized credit-card transaction and escalate if unresolved
For Cardholder or account holder who observes unauthorized or fraudulent transaction attempts
Research draft. Sources were collected on 9 November 2026; not every page was read in full. Current rules and the full application process are unverified. Follow the linked official source before acting.
Steps
Treat unauthorized spending or lost card information as time-sensitive; use the verified issuing bank's own official contact immediately, not third-party social messaging links
cbsl.gov.lk (opens in a new tab)Notify the financial service provider promptly of actual/suspected fraudulent transactions or lost key financial documents, which CBSL's FCRD page identifies as consumer responsibilities
Ask issuer directly which protective card/account steps and dispute reporting it requires, retaining time and reference of any actual bank acknowledgment
Record transaction facts and send dispute information only via secure official issuer channel; avoid publishing personal financial data
If the issuer's response is unsatisfactory and it is a CBSL-regulated institution, review FCRD's official complaint form and verified submission channels
If FCRD actually acknowledges the complaint, retain the assigned reference number; supply updated complaint position for further review only as needed