How to File a Chargeback with HSBC
Everything you need to dispute a transaction with HSBC, including the best method, required documents, and expected timelines.
03456 040 626
10-15 working days initial response
Phone, Online, Branch
Step-by-Step Chargeback Process
Contact HSBC via Phone or Online or Branch
Explain the transaction you want to dispute and the reason
Provide all required documentation (see below)
HSBC will investigate and may issue a provisional credit
Wait for the investigation outcome (typically within the stated timeline)
If your chargeback is rejected, consider Section 75 (credit cards) or the Financial Ombudsman
Required Documents
- Transaction details
- Reason for dispute
- Merchant correspondence
- Any refund promises from merchant
Tips for HSBC
- •HSBC prefers phone disputes — call the dedicated disputes team
- •Ask for a temporary credit while the dispute is investigated
Section 75 vs Chargeback
If you paid with a credit card and the transaction was between £100 and £30,000, you may have a stronger claim under Section 75 of the Consumer Credit Act 1974. This makes HSBC jointly liable with the merchant.
Chargeback is useful for debit card purchases or credit card purchases under £100, where Section 75 doesn't apply. You can submit both a Section 75 claim and a chargeback simultaneously.
Frequently Asked Questions
How do I file a chargeback with HSBC?
You can file a chargeback with HSBC via Phone, Online, Branch. Call 03456 040 626 to speak to their disputes team.
How long does a HSBC chargeback take?
10-15 working days initial response
What documents do I need for a HSBC chargeback?
Transaction details. Reason for dispute. Merchant correspondence. Any refund promises from merchant
Need Help With Your HSBC Chargeback?
Frank can build your chargeback evidence pack, draft dispute letters, and guide you through the entire process.
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