Transaction disputes

Usually we can only assist you with requesting a chargeback after you have attempted to get a refund from the merchant and were unsuccessful. If you believe an error or unauthorised transaction has occurred please notify us straight away. You should lodge your dispute within 45 days of the transaction date recorded on your statement, and no later than 90 days. We may not be able to assist you with transactions more than 90 days after the transaction date due to the timeframe set by the applicable scheme rules.

Please ensure that you provide the necessary information for a chargeback request within these time frames, otherwise, it may limit our ability to pursue chargeback rights on your behalf. As a result, you may be liable for the transaction.

Any errors or omissions appearing on your statement can be investigated. These include:

• Transactions you believe are incorrect
• Transactions you believe you did not authorise
• Transactions you suspect may be fraudulent
• Duplicated transactions
• ATMs that dispensed an incorrect amount
• Refunded goods or services that have not been credited correctly
• Reoccurring debits and regular repayments that have continued to occur after cancellation of authority

You will need to contact the store/merchant/biller to resolve the issue.

• Quality of service by merchants
• Contract related disputes
• Instances of buyer's remorse
• Transactions that relate to a special promotion
• Billing disputes (BPAY transactions) - except where a BPAY payment is an unauthorised payment, a fraudulent payment or a mistaken payment, BPAY payments are irrevocable.
  

If you have any queries or require further information on lodging a dispute, please contact us on 13 30 30 or +61 2 8048 8249 when calling from overseas

If you don't recognise a transaction, contact the business/retailer to try and clarify or resolve your issue. If the merchant is unknown, unable to be contacted, or if you cannot come to an agreement within a few days, you should contact us via phone immediately. If you believe a transaction was unauthorised, contacting us on 13 30 30 (or +61 2 8048 8249 when calling from overseas) or through Bank Fax or using secure message through My AMP. 

If you have an ATM or eftpos related dispute, our Customer Service Officers will be able to assist you with raising your dispute over the phone. If you have a Visa debit transaction dispute, you cannot raise it over the phone and must complete a Customer Investigation Request form and return it along with all required supporting documentation outlined in the form.

To enable your query to be actioned as quickly as possible, please ensure that you provide all relevant information and documents when raising your query.

1. When reporting your query, we will provide you a reference number. You should retain that number as confirmation of your report, and of the date and time of your report.
   
2. We will then request the transaction receipts from the merchant's bank within 7 days of receiving your completed form along with all relevant information and documents.
3. We will forward any documentation once the merchant provides evidence in relation to the disputed transaction/s.
4. We will then contact you to advise you we have asked the merchant's bank for documentation.
   
5. If it's found that errors were made with your transaction, we will make the appropriate adjustments to your account.
   
6. When we advise you of the outcome, we will notify you of the reasons for our decision with reference to any evidence, applicable section in the terms and conditions, and the ePayments Code or card scheme rules.

We will investigate and attempt to resolve your dispute as soon as possible, but in any event, within 21 days for disputes relating to AMP Bank Access Card transactions, and 35 days for AMP Visa Debit Card transactions. If further time is required to complete the investigation, we will advise you in writing and provide a likely resolution date.

In exceptional circumstances where the investigation cannot be completed within 45 days of the lodgement date, we will inform you of the reasons for the delay and provide monthly updates on the progress of the investigation, except when we are waiting for a response we require from you.

We do not charge you for lodging a dispute.

If you have an ATM or eftpos dispute, you are not required to complete a form and may lodge it over the phone by providing details to one of our Customer Service Officers. Contact us on 13 30 30 or +61 2 8048 8249 when calling from overseas

If you are required to return a form, you can fax it to (02) 8843 8381, or mail to AMP Bank, Card Transaction Disputes, Locked Bag 5059, PARRAMATTA NSW 2124

The product issuer and credit provider is AMP Bank Limited ABN 15 081 596 009, AFSL and Australian credit licence 234517.

It’s important to consider your circumstances and read the relevant Product Disclosure Statement or Terms and Conditions before deciding what’s right for you. This information hasn’t taken your circumstances into account. Information including interest rates is subject to change without notice.

Any application is subject to AMP Bank’s approval. Terms and conditions apply and are available at amp.com.au/bankterms or 13 30 30. Fees and charges may be payable. Full details are available in the Fees and charges guide.

This information is provided by AMP Bank Limited. Read our Financial Services Guide available at amp.com.au/fsg for information about our services, including the fees and other benefits that AMP companies and their representatives may receive in relation to products and services provided to you. All information on this website is subject to change without notice.

AMP Bank is a member of the Australian Banking Association (ABA) and is committed to the standards in the Banking Code of Practice. 

A target market determination for these products is available on our TMD page.