Need a hand?

After you submit a dispute, we'll review your case and decide whether there's sufficient evidence to initiate a chargeback. A chargeback is a formal process to reverse the transaction through the card network (e.g. Visa, Mastercard).

This process is regulated by strict rules and evidence requirements.

Up to 85% of disputes are resolved within 5 weeks, but complex cases may take up to 12 weeks. Since the process is regulated, we can't speed this process up. To track your dispute status, tap the transaction in your Revolut app.

• You fill out a form to initiate the dispute
• Once the transaction is completed, we review your dispute case usually within 8 days, and if there is sufficient evidence, we will proceed to the next stage
• If we need more information, we'll reach out to you
• After this, we'll come to an initial decision. Depending on the type of dispute, we may be obliged to wait a minimum period of 15 days before raising with the merchant, as per card network rules

If your dispute is successful, you'll be refunded by us or the merchant. If your dispute is declined or cancelled, you're not refunded and your case is closed. If we raise your case to the merchant, your case is still open and proceeds to the next step. We'll keep you updated every step of the way.

If we decide to raise the dispute to the merchant, we reach out to them. The merchant has 30 days to respond for Visa or 45 days for Mastercard transactions.

• If the merchant agrees or doesn't respond, you'll receive a refund for the associated transaction(s)
• If the merchant disagrees, they'll provide supporting documentation and the case will proceed to the next step

We receive and review the merchant's evidence within 5 days and reach a decision.

• If the merchant provides sufficient evidence, the dispute is closed without a refund
• If the evidence is insufficient, the dispute process continues

Once the case is raised to the merchant for a second time (if needed), they have 30 days to respond, after which we'll make a final decision.

• If the merchant agrees, you'll receive a refund
• If the merchant provides sufficient evidence, the dispute is closed without a refund

If it's unresolved and the merchant decides to keep disputing, we may escalate the case to Visa or Mastercard for review, which may take approximately 40 additional days.