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Money · Republic of Ireland

How to request a card chargeback in Ireland

A chargeback asks your card provider to reverse a disputed debit- or credit-card payment. It may help when a payment was unauthorised, duplicated, or paid for goods or services that never arrived, but it is governed by card-scheme rules and is not an automatic legal right to a refund.

Published 11 July 2026Last reviewed 11 July 2026Published by Around.ie · Reviewed by Around Editorial DeskReview by 11 January 2027 or when official guidance changes

Start with the seller where appropriate

If the problem is non-delivery or a cancelled service, contact the business and ask it to resolve the issue first. Keep the order confirmation, promised delivery date, cancellation terms and your messages. For a transaction you do not recognise, contact your bank immediately rather than contacting a possible fraudster.

Contact the card provider promptly

Tell the bank which transaction you dispute and why. The CCPC says card-scheme time limits vary and are commonly within 90 to 120 days, with longer periods possible in some circumstances. Do not wait for the outer limit. Your bank can tell you which deadline applies to your case.

Evidence matters: give a short chronology, the transaction record, proof of what was promised and your attempt to obtain a refund. Keep copies of everything submitted.

If the answer is no

Ask the bank for its decision and reasons in writing. You can use its formal complaints process. After that process, a complaint about a regulated financial provider may be eligible for the Financial Services and Pensions Ombudsman.

Chargeback does not replace your consumer rights. Depending on the dispute, the small claims procedure or another consumer remedy may also be relevant.

Sources and review record

This guide provides general information for the Republic of Ireland. Check the linked official guidance for your circumstances and current rules.