How to File a Chargeback with Your Bank
Bank-specific chargeback guides with step-by-step processes, required documents, timelines, and Section 75 comparisons.
Barclays
Online, Phone, App
HSBC
Phone, Online, Branch
Lloyds Banking Group
Online, Phone, App
NatWest
Online, Phone
Santander UK
Phone, Online
Nationwide Building Society
Phone, Branch
Monzo
App
Starling Bank
App
Revolut
App
American Express UK
Online, Phone
Chargeback vs Section 75
Chargeback
- • Available on debit and credit cards
- • No minimum purchase amount
- • Voluntary scheme (not a legal right)
- • Must be filed within 120 days of the transaction
- • Bank can reject if evidence is insufficient
Section 75 (Credit Card Only)
- • Credit cards only (not debit)
- • Purchases between £100 and £30,000
- • Statutory right (Consumer Credit Act 1974)
- • Card issuer is jointly liable with the merchant
- • Stronger protection than chargeback
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