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Before you dispute a transaction:

It's important to query a transaction yourself before you contact us about a dispute. 


Compare your receipts and statement

If you don’t recognise the name of the merchant but the amount charged looks familiar, it may help to look at your receipts and see if the amount charged matches a recent purchase or transaction. You can also find more information about transactions by checking your ANZ Internet Banking transaction history, you can view the type of merchant by clicking on the arrow in the “transaction details” column. 

Some companies use a different trading name or location to what your statement shows.


The dates are different

There can be a delay (possibly up to seven days) between your actual purchase date and when it’s charged to your account.


The amount charged shows up differently

This could happen if a purchase is made overseas, or from a merchant that’s located overseas, as the amount may change based on the currency exchange rate for that day. The amount may also differ becasue of surcharges (e.g. public holiday surcharges) or transaction fees. 


You don’t remember a transaction

Check if an additional cardholder has made the purchase. If you have a diary, you might also like to check it for any prompts to help you discover what the transaction could be. 


Contact the merchant directly

The merchant may be able to resolve issues like:

  • defective or unsatisfactory products
  • refunds received from the merchant which have not been processed to your account
  • purchases charged more than once
  • differences in amounts on your receipt and statement
  • goods or services that you haven’t received



How to dispute a transaction on your ANZ credit card

Contact us as soon as you can

Here's what you need to do:

Option 1: Within ANZ Internet Banking, choose 'Lodge a transaction dispute' in your credit card Account Overview and follow the steps.

Option 2: Download and complete the Customer Transaction Dispute Form (PDF 277kB) it lists the information and documents you'll need to provide.disclaimer

Option 3: If you can't download the form, call us on 13 22 73 (or +61 3 9683 9999 from overseas) and we'll send it out to you. 

Visa, MasterCard and American Express have their own procedures and timeframes for resolving disputes, and we’ll need to follow their respective processes.

To further understand the investigation process for resolving a transaction query, please refer to the Disputing a Transaction Brochure (PDF 128kB) and ANZ Credit Cards Conditions of Use (PDF 468kB) for more information.


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It is important that you complete and return your signed Customer Transaction Dispute Form (PDF 277kB) together with any supporting documents as soon as possible so that ANZ can commence investigation on your behalf. Without a signed dispute form, ANZ may not be able to progress your query. If you raise your query with ANZ after 60 days from the transaction date, ANZ may not be able to assist as credit card schemes govern ANZ's time frames for action.

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