How to File a Chargeback with Santander UK
Everything you need to dispute a transaction with Santander UK, including the best method, required documents, and expected timelines.
0800 9 123 123
10-15 working days
Phone, Online
Step-by-Step Chargeback Process
Contact Santander UK via Phone or Online
Explain the transaction you want to dispute and the reason
Provide all required documentation (see below)
Santander UK 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
- Dispute description
- Merchant communications
- Supporting evidence
Tips for Santander UK
- •Santander requires phone confirmation even for online disputes
- •Request a dispute form to be sent by post if needed
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 Santander UK 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 Santander UK?
You can file a chargeback with Santander UK via Phone, Online. Call 0800 9 123 123 to speak to their disputes team.
How long does a Santander UK chargeback take?
10-15 working days
What documents do I need for a Santander UK chargeback?
Transaction details. Dispute description. Merchant communications. Supporting evidence
Need Help With Your Santander UK Chargeback?
Frank can build your chargeback evidence pack, draft dispute letters, and guide you through the entire process.
Let Frank build your chargeback case