How can we help?

verified_user Security & Fraud I think I have been scammed — what do I do right now? Freeze your cards, change your password, then report it immediately by phone. Speed is the single biggest factor in recovering funds. Read answer arrow_forward verified_user Security & Fraud What will Optimal MetroHub Bank never ask you for? We will never ask for your password, PIN, full card number or a one-time passcode, and we will never ask you to move money to a "safe account". Read answer arrow_forward verified_user Security & Fraud How does two-factor authentication work here? After your password, a second check confirms it is really you — a code by SMS or email, or a code from an authenticator app. Read answer arrow_forward verified_user Security & Fraud How do I spot a phishing email, text or website? Check the sender domain, hover over links before clicking, and be suspicious of urgency. When in doubt, go to the site by typing the address yourself. Read answer arrow_forward verified_user Security & Fraud There is a transaction I do not recognise Check the merchant name and date first — many trade under a different name. If it is genuinely not yours, freeze the card and report it. Read answer arrow_forward verified_user Security & Fraud What makes a strong banking password? Long, unique to this account, and stored in a password manager. Length beats complexity, and reuse is the biggest single risk. Read answer arrow_forward verified_user Security & Fraud How do I keep my devices safe for banking? Keep software updated, lock the device, avoid public Wi-Fi for banking, and only install apps from official stores. Read answer arrow_forward