How to ask your bank for a chargeback refund

Use a short opening summary

Start with the amount, date, retailer, problem and what outcome you want. The rest of the message should support that summary.

Show you tried the retailer first

Banks often ask what you have already done. Include the complaint date, response deadline and any refusal or ignored follow-up.

Keep attachments labelled

Rename screenshots and documents so they are easy to follow, such as receipt, retailer-refusal, delivery-tracking and photos.

Track the next deadline

Write down when you contacted the bank, who you spoke to, and what they said would happen next.

Related Refund Kit guides

• Chargeback letter template UK
• Chargeback evidence checklist
• Chargeback declined what next