Finland Scams: Online, Investment & Phishing Fraud Guide
Common scams in Finland and how to report them to the Finnish Police, KKV, and your bank.
Emergency number: 112 — verify on official sources.
Last reviewed: 1 June 2026
Finland has a high internet adoption rate, which brings a corresponding volume of online fraud including phishing and smishing impersonating Finnish banks or Posti (the postal service), investment scams, and fake online shops. While overall levels of street crime are low, residents and visitors face a growing threat from digital fraud. The Finnish Police (Poliisi) accept online crime reports at poliisi.fi and provide dedicated cybercrime guidance. The Finnish Competition and Consumer Authority (KKV) handles consumer protection complaints. For cyber incidents affecting critical infrastructure, the Traficom Cybersecurity Centre operates. Acting quickly to contact your bank after any suspected fraud significantly improves the likelihood of halting a transfer.
Common scams
- Phishing and smishing impersonating Finnish banks or Posti
- Investment and crypto fraud
- Fake online shops and non-delivery
- Tech support and remote-access scams
Tourist-specific scams
- Overcharging by unofficial transport at major events
- Ticket resale scams for concerts and sports events
Online shopping scams
- Parcel-fee smishing impersonating Posti
- Phishing targeting bank credentials via email or SMS
- Fake online retailers
Job scams
- Task scams via messaging apps
- Fake job offers requiring upfront registration or document fees
Romance scams
- Dating-app romance and cryptocurrency investment grooming
Investment scams
- Fake trading platforms and clone broker firms
- Crypto and 'AI bot' investment schemes
How to report a scam here
- Contact your bank immediately if money was transferred
- Report cybercrime to the Finnish Police at poliisi.fi/en/report-a-crime
- Report consumer fraud to the Finnish Competition and Consumer Authority (KKV) at kkv.fi
- For emergencies, call 112
Local reporting & protection links
Always verify reporting routes and emergency contacts on the official government or agency website for your country.
Bank & payment guidance
Contact your bank immediately using the number on your card or their official app. Finnish banks can attempt to halt or recall fraudulent transfers most effectively in the first few hours. No legitimate bank or authority sends a text asking you to confirm card details via a link.
Evidence to preserve
- Screenshot all messages, profiles, websites and payment pages
- Save transaction references, account numbers and crypto wallet addresses
- Keep emails with full headers where possible
- Note dates, times, names and phone numbers used
Frequently asked questions
How do I report cybercrime in Finland?
File a report with the Finnish Police online at poliisi.fi/en/report-a-crime or at your local police station. The Cybercrime Centre of the National Bureau of Investigation handles serious cybercrime cases. For consumer disputes, contact the KKV at kkv.fi.
Does Finland have a dedicated cybercrime hotline?
For emergencies, dial 112. For non-urgent cybercrime reports, use the online reporting system at poliisi.fi. The Traficom Cybersecurity Centre handles reports relating to critical infrastructure and provides public guidance on current threats.
Are smishing texts from Posti common in Finland?
Yes. Fraudsters regularly send fake texts impersonating Posti (Finland's postal service), claiming a parcel is on hold and requesting a small delivery fee. The link leads to a phishing site that harvests card details. Posti does not request payment by text message link.
Sources
- National police and cybercrime portals (verify on official sites)
- FTC / Action Fraud / Scamwatch consumer guidance