Revolut dispute rejected? How to still get your money back
If you spot a transaction on your Revolut account that you don't recognise, didn't authorise, or that relates to goods or services you never received, you have options. Revolut offers a clear process to help you dispute these charges and reclaim your funds.
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When you dispute a transaction made with your Revolut card, you are primarily relying on the chargeback rights provided by the card network, such as Visa or Mastercard. These established rules enable your card issuer, Revolut, to reverse a transaction under specific conditions, including fraudulent activity, services not delivered, or incorrect billing. Revolut also has its own internal dispute resolution procedures, detailed in their terms and conditions, which align with these network rules.
Step by step
- 1Immediately check the transaction details in your Revolut app. Look for the merchant's name, date, and amount. Sometimes, a familiar merchant might appear with a different trading name.
- 2If you recognise the merchant but believe the charge is incorrect or for services not received, try contacting them directly first. This can often resolve issues faster than a formal dispute.
- 3If direct contact fails or the transaction is genuinely unrecognised, open your Revolut app, navigate to the transaction, tap 'Get help', and then complete the dispute form. If eligible, the app may show 'Raise a dispute'.
- 4Gather and submit all relevant evidence. This might include screenshots, communication with the merchant, proof of non-delivery, or any other information supporting your claim. If Revolut requests further information, you have up to 15 days to respond, or your case may be cancelled.
- 5If Revolut's final response is unsatisfactory, or if you do not receive a final response within 8 weeks (or 15-35 days for payment services complaints), you can escalate your complaint to the Financial Ombudsman Service. You normally have 6 months from Revolut's final response to refer your case to the Ombudsman.
What they'll say, and your comeback
“You authorised this transaction.”
Comeback, I did not authorise this specific transaction, or it was processed fraudulently. I am formally disputing it as an unauthorised charge.
“You need to contact the merchant directly to resolve this.”
Comeback, I have already attempted to contact the merchant, or I do not recognise this merchant at all. As my card issuer, I require Revolut to investigate this charge through the dispute process.
“The dispute window for this transaction has closed.”
Comeback, I am reporting this transaction as soon as I became aware of the issue. Please confirm the exact timeframe for reporting and advise on any exceptions for fraudulent activity.
What actually happens
In practice, most Revolut disputes begin in the app. Customers typically get an initial response within days, but the full investigation can stretch to 90 days. If successful, funds are credited directly back to the Revolut account. Many disputes are resolved at this stage. If Revolut denies the claim, the next step is a formal complaint to them. If this also fails, or if Revolut does not respond within 8 weeks, customers can escalate to the Financial Ombudsman Service. The Ombudsman will assign a case handler to review the complaint. While this adds time, it provides an independent review, often leading to a resolution for valid claims.
FAQ
How long does a Revolut dispute take?
The timeframe for resolving a dispute can vary. Revolut typically acknowledges your dispute within a few business days. The full investigation can take up to 90 days after you report the matter to Revolut.
What kind of evidence should I provide?
Provide anything that supports your claim. This includes screenshots of the transaction, order confirmations, cancellation emails, proof of non-delivery, chat logs or emails with the merchant, and police reports if you suspect fraud. If Revolut asks for more information, you must provide it within 15 days or your case may be cancelled.
What if Revolut rejects my dispute?
If Revolut rejects your dispute or you are unhappy with their final response, you can make a formal complaint. If you do not receive a final response within 8 weeks, or if the response is unsatisfactory, you can refer your complaint to the Financial Ombudsman Service. For most payment services complaints, Revolut has 15 days to resolve it, or up to 35 days in exceptional cases, before the 8-week rule applies. You usually have 6 months from Revolut's final response to refer your complaint to the Ombudsman. There is also a general time limit of 6 years from the event, or 3 years from when you knew you had cause to complain.
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Sources
A self-serve tool, not a law firm. General information, not legal advice. Last researched 2026-09-08.