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Invoice fraud checklist

One A4 page for whoever pays the invoices. Fill in the three blank lines and put it up where payments are made.

New bank account or an urgent payment? Call first.

Invoice fraud usually starts with an email from a 'supplier' saying their bank account has changed.

The call-back rule

  1. Do not pay and do not reply to the email.
  2. Call the supplier on the number you already had, never on a number from the email.
  3. Only change the account number once the supplier has confirmed it on the phone.

Does your bank warn you, when you pay, that the name does not match the account number? Do not pay until you have called the supplier. If you pay in one batch file from your accounting software, you may not see that warning.

Five warning signs

  1. The sender's email address is almost right, for example .co instead of .be. Careful: a correct address can also come from a hacked mailbox.
  2. The email puts on pressure: pay today or something will happen.
  3. It gives a new bank account number.
  4. It asks you not to call and just reply to the email.
  5. It is the first time you pay this supplier.

To fill in for your business

Our suppliers' usual phone numbers are kept in:

A new bank account number is approved by:

Our bank's fraud line, day and night:

Already paid?

  1. Call your bank's fraud line straight away (filled in above).
  2. File a complaint with the police and ask for the report number.
  3. Report it to the FPS Economy reporting point (meldpunt.belgie.be) and forward the email to suspicious@safeonweb.be.

A summary written by Fluxive, not an official government document. It does not replace advice from your bank, the FPS Economy or the police.

Sources: FPS Economy (IBAN name check and reporting point) and Safeonweb, checked on 28/09/2026. Written by Fluxive, fluxive.be

Source: FPS Economy article on the IBAN name check (in Dutch)FPS Economy reporting pointMore about the security awareness training