Common reasons for unrecognised transactions
If you're reporting a transaction because you disagree with it, check these common reasons for discrepancies first:
- unfamiliar transaction description – some organisations use different descriptions to process their transactions, so the details you see on your statement may not be familiar
- unfamiliar transaction date – not all payments are processed on the same day the transaction was made
- joint account holder – if you share your account with someone else, they may recognise the transaction
- adjacent transactions – take a look at other transactions showing on your statement at a similar time. This may remind you of where you were when the transaction that you don't recognise was made
- free trials – if you signed up for a free trial recently, check the trial period and terms and conditions. It may have expired and you may now be paying for goods or services
- overseas transaction – if you've been abroad recently, the amount on the receipt could be different to the amount on the statement as a result of the exchange rate
Dispute a card transaction
If there's a card payment that you recognise but would still like to dispute, you'll need to fill in our dispute form. Before doing this, you may want to contact the retailer first. They may have mistakenly charged you, and they can put it right quicker than we can.
If after contacting the retailer you'd still like to dispute the transaction, download and complete the dispute form (PDF, 66KB). Identify the reason that best fits your case and make sure you include your transaction details and signature. You need to post the form back to us with any documentary proof you have to support your claim.
Make sure the form and your supporting evidence reaches us no later than 60 days from the date of the transactions you're disputing. If we do not receive these documents in time, you might no longer have the right to recover the disputed amount or its recovery may be delayed.
The contact information on the dispute form should match what we have in our records. If the details are different, we'll use the information from our records.
If you don't recognise a transaction and think it may be fraudulent, please contact us as soon as possible to report it.
Approved and issued by HSBC Bank Malta p.l.c, (116, Archbishop Street, Valletta VLT 1444). HSBC is a public limited company regulated by the Malta Financial Services Authority and licensed to carry out the business of banking in terms of the Banking Act (Cap.371 of the Laws of Malta). HSBC is licensed to conduct investment services in terms of the Investment Services Act (Cap.370. of the Laws of Malta) and is enrolled as a Tied Insurance Intermediary for HSBC Life Assurance (Malta) Ltd under the Insurance Distribution Act (Cap. 487 of the Laws of Malta).
The Site is primarily intended for those who access it from within Malta. Because of this we cannot guarantee that the Site or the information thereon complies with law or regulation of other countries, or is appropriate for use, in other places. You are wholly responsible for use of the Site by any person using your computer and you must ensure that any such person complies with these Terms. The information provided on this Site is not intended for distribution to, or use by, any person in any jurisdiction where such distribution or use would be contrary to law or regulation. This Site should not be considered as communicating any invitation or inducement to engage in banking or investment activity or any offer to buy or sell any securities or other instruments outside Malta.
How to dispute a transaction
Visit your nearest branch and speak to a member of our team.
Fill in the dispute form (PDF 66KB) and post it to us at:
HSBC Bank Malta plc