We are committed to safeguarding your personal details Learn about the ways we protect you and how you can protect yourself against fraud and scams online. Talk to us Phone us Email us Breadcrumbs UniBank Security Transaction disputes and fraud Security Is there a transaction on your credit or debit card that you think might be incorrect? Or an issue with something you’ve purchased? Here's what to do. Fraud and scam warnings Transaction disputes and fraud How we protect you online How to protect yourself online Security software Lost or stolen cards Mobile app security tips ATM security Card security Tips for shopping online Verified by Visa Industry Links Fraud and scam warnings Transaction disputes and fraud Transaction disputes and fraud Having your banking access at your fingertips through online and mobile banking makes it easier than ever to keep an eye on your accounts. Have you noticed a transaction on your credit or debit card that you don’t recognise or the amount looks wrong? Or an issue with something you’ve purchased? Here are the steps you can take to fix any errors with your transaction history. What to check first Was the purchase made by a family member or any other cardholder authorised to operate on the account? Could the business be trading under a different name? Check this via Online Banking by looking at a specific transaction in more detail and Google search the name you see listed. Was the transaction made in a foreign currency and converted into Australian dollars? Is the transaction a regular membership, subscription fee or app download? How we help and timings We do our best to help with most enquiries but only the business can resolve: Refunds or exchanges if you change your mind. Membership or monthly subscription enquiries. Issues with software you've downloaded. Any pending transactions will need to be fully processed before we can help you raise a dispute. It generally takes 3 to 5 business days to process a transaction, although it can take up to 10 business days or longer. For extra control and security over your account, or if you suspect fraud contact us immediately here. You should ensure the following: Contact the business (Merchant) quickly - Some issues can be resolved faster by contacting the business directly. If the business can't help, call us within 30 days of the date of the statement which shows the transaction you're disputing. If you don’t, we may lose any chargeback right we have under Visa scheme rules. For details on liability allocation for unauthorised transactions please refer to the Electronic Access Facilities and ePayments conditions of use in the Conditions of use—Accounts and access booklet. Collect supporting documents As part of our investigation, we may ask you for supporting documents of the transaction you want to dispute. Before you contact us, gather receipts, photographs of the item if it’s not as described, and the business’s contact details. Get in touch If you want to dispute a transaction, here's how to get in touch: For card transactions, call us 24/7 on 1300 705 750 or +61 2 8299 9534 (reverse charges accepted) if you're overseas. Be sure to dial the international prefix (exit code) for the country you are in. Working with you We’ll work to resolve your issue as quickly as possible. We'll immediately stop your card to protect your account from further fraudulent activity and send you a new one. In the meantime, if you wish to take out some funds until your new card arrives please contact us here. When you get your new card it’s important to update any direct debits with your new card details too. Keeping you updated We’ll get in touch with the business's bank. Following these discussions, we'll either send you a letter or an email confirming the outcome of our investigation. Getting your money back If your dispute is successful, your money will usually be credited to your account within 3 business days. This can depend on the type of dispute and whether a business decides to challenge your claim. Some card disputes can take up to 45 days. We'll credit the account your dispute was raised from. Your credit will appear as at the date the disputed transaction was processed, for example, if it was processed on 5 February, your credit will appear as at 5 February—not the date you raised the dispute or the date your dispute was resolved. How we protect you online How to protect yourself online Security software Lost or stolen cards Mobile app security tips ATM security Card security Tips for shopping online Verified by Visa Industry Links Back to top.