Dispute a suspicious transaction

To raise a dispute you will need to complete a form and return it to us via the details shown on the form. Depending on the situation, the process to raise a dispute may differ slightly. Refer to the table to determine which applies to you.

Please also read the steps to raise a dispute below to ensure you are eligible for a dispute prior to submitting the relevant form.

1. Contact the merchant directly to resolve the dispute. Many disputes can be resolved with the merchant directly without having to lodge a claim.

2. Check whether the transaction(s):

•  was made by a joint card holder
• is appearing with a merchant name that is different to the trading name (contact the merchant or do a search online)
• has a different transaction date due to a delay in the processing of the transaction.

 We won’t be able to investigate disputes where:

• you’ve simply changed your mind
•  the transactions are still ‘pending’
• the transactions have passed 120 days from the date you expected to receive any goods or services; or
• the transactions are older than 540 days.

3. Prepare all your supporting documentation including the relevant card dispute form as outlined in the table above and submit it to us via email as specified on the form. Please note these forms are only for disputing debit or credit card transactions. It will not be applicable to mistaken payments or electronic bank transfers

We’ll work as quickly as we can with you, the merchant, and the merchant’s bank to resolve your dispute. 

If you don't hear from us once you've lodged your dispute, it's because we're processing your request and we've got all the information we need. We will provide updates on the progress of your case once an initial chargeback has been lodged. This can take up to 45 days.

Day 1: If the transaction(s) meet the criterion for a dispute to be raised, you are required to complete and send the dispute form to us as soon as you can. In order for our team to meet certain timeframes and conditions, it’s important that you send us all the necessary information and documentation as listed in the form so we can get started with the investigation as soon as possible.

Day 2-5: Once the dispute form has been submitted, the transaction(s) in question will still appear on your statement. For transactions on a credit card, only when the case is picked up by our team, then will it not be a part of the minimum monthly payment calculations and not incur interest. 

Day 5-45: We will investigate and will lodge a chargeback if criterion is met. The merchant/merchant's bank has 30-45 days to respond. We will notify you once a chargeback has been lodged.

Day 45-60: If the merchant has rejected our initial chargeback, we may contact you to review the documentation provided by the merchant. If you disagree with this documentation and wish to proceed with your dispute, let us know within 14 days with any additional information or documents. If we don’t hear back from you within 14 days, we will assume that you don’t want to continue with the dispute and close the case. If you no longer need to dispute the transaction and would like to withdraw the dispute, then please email us.

Up to day 90: We must allow the merchant’s bank 45 days to respond to our chargeback. Please ensure your email on file is up to date prior to submitting the form. We will write to you about the outcome of the investigation. You can also call us on 1300 150 300 and quote your dispute case number.