Unauthorised use of your payment card
If unauthorised payments have been made with your card, the bank is mostly liable for them, as long as you act quickly and have not been grossly negligent. This guide explains how to block the card, dispute the charges and make the necessary reports.
You will need
- Your bank’s card blocking service number
- A bank statement showing the unauthorised charges
- Online banking or the mobile app
- The police report number
Steps
Block the card
Block the card immediately in your bank’s app or by calling the blocking service, which is open around the clock. Ask for a new card.
Go through the transactions
Dispute the charges
Report the crime
Know your liability
Tell fraud apart from a dispute with a shop
Follow up on the refund
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