Bank Fraud and Unauthorized Account Withdrawal in Iran

Penalties and Legal Process

Introduction

With the rise of digital banking in Iran, crimes like phishing, ATM card cloning, and unauthorized use of account credentials are increasingly common.

Definitions

Bank fraud: Deception to unlawfully gain money from banking systems

Unauthorized withdrawal: Using someone else’s account or card without consent

Common Examples

Phishing websites

Fake SMS alerts

ATM card duplication

Using others’ PINs

Targeting the elderly or uneducated

Legal Provisions

Computer Crimes Law – Article 13: 1–5 years' imprisonment or fine

Law on Aggravated Fraud – Article 1: Defines and punishes deception

Differences Between the Two Offenses

Penalties

1 to 7 years’ imprisonment

Fines (equal or multiple of stolen funds)

Restitution (returning money)

Potential travel bans or public service dismissal

How to File a Complaint

Collect bank records

File via the Electronic Judiciary Service

Refer to cybercrime or economic prosecutor

Request bank tracing and legal prosecution

Conclusion

These crimes are serious and increasing. Prompt legal action and expert legal support are essential.

Alemohammad Law Office is ready to help you with legal representation in financial and cybercrime matters, both in Iran and internationally.

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For a consultation with a specialist attorney, contact Alemohammad Law Office.

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