Disputing a card payment
If you made a payment for something on your Visa debit or credit card, but haven’t received what you paid for, we may be able to help.
If you're worried a payment has been taken fraudulently, call us as soon as possible.
When you can raise a Visa dispute
If you want to challenge a payment you've made on your credit or debit card, you may be able to get your money back by raising a 'Visa dispute'.
You can raise a Visa dispute if you’ve:
paid for something that’s been cancelled
paid for something but not received it
paid for something by a different method
received something, but it was faulty, incorrect or counterfeit
been charged twice
been charged a different amount to the amount agreed
been charged even though you’ve cancelled the payment.
You can also raise a Visa dispute if you need to stop future payments.
Please check carefully that your dispute falls within one of these categories, so we can help you get to the right solution quickly.
You can't raise a Visa dispute if:
the payment is not showing on your statement. If you provide details of a payment we can’t find on your account, we won’t be able to process your dispute.
Timescales for raising a dispute
There's a set period of time after a payment has left your account in which a Visa dispute can be raised. So, it's important to get in touch as soon as possible.
In most instances, you must raise a dispute within 120 days of the payment leaving your account. However, if you’ve paid for something far in advance, like a holiday, timescales may be longer.
Before you raise a Visa dispute
Speak to the seller or company you made the payment to, to see if they can help
Most companies will be keen to put things right if they’ve done something wrong. We’ll need evidence that you’ve spoken to the seller or company in order to process your claim.
Check whether the payment is still pending
If it is, we won’t be able to go ahead with your claim. The transaction needs to be visible on your statement before we can process a claim for you. Find out how to check for pending transactions.
Check which card you made the payment on
There are different ways to claim depending on whether the payment was made on a Visa debit or credit card. Please ensure you complete the correct form for your card type.
Raise a Visa dispute
Choose the form you need depending on whether the payment was made on a credit or debit card.
For most types of disputes there are a few pieces of evidence we'll need to see in order to try and get your money back for you. See our evidence guide - PDF 326KB (opens in a new window) for more info. If you register your claim using our online form, make sure to have copies of your evidence ready to attach to the form - so that we receive your claim and your evidence at the same time. You'll also need your customer number.
Credit card payments dispute form
Debit card payments dispute forms
Dispute a payment for another reason
If your reason for the dispute is not covered above, for example, you’ve been charged for something twice, you can submit a dispute via the Internet Bank or speak to our Visa Dispute team.
Message us via the Internet Bank
Call our Visa Dispute team
Monday to Saturday: 8am to 6pm
If you’re concerned about fraud
If you’re worried a payment has been taken fraudulently, please call us as soon as possible.