Revolut Refund: Disputed Transaction
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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Build my claim →Your rights
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, and tap 'Report an issue' or 'Dispute this transaction'. Follow the prompts to provide details.
- 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 that the transaction is incorrect or fraudulent.
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.
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, which may involve the merchant's bank, can take several weeks, sometimes up to 45-90 days, depending on the complexity and card network rules.
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. The more evidence, the stronger your case.
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A self-serve tool, not a law firm. General information, not legal advice.