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Refunds on your card

Whatever kind of card payment you have made, you are protected if something goes wrong with goods or services you have bought, both at home and abroad.

It is usually quicker and easier to sort out any problem with the company you bought the goods or services from. Most retailers have well established returns, refunds and complaints procedures.

However, if the retailer can’t fix the problem, or is not contactable, your debit or credit card issuer should be able to help.

You will not be refunded twice for the same purchase, so if you have received a refund from the retailer already, you cannot make a claim from your card issuer.

Cooling off period

If you buy something online, by phone, or by mail order, from anywhere in the European Union, you are entitled to a 14-day cooling-off period, starting from the day you receive the goods.

During this time you can cancel the order and get your money back from the retailer including the appropriate return postage or shipping costs.

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