Dispute a card transaction

Would you like to dispute a card transaction? Here's how.

You can dispute card transactions if the merchant or service provider has failed to fulfil their obligations, or if you identify unfamiliar or unauthorised transactions on your card. If your dispute relates to a purchase, you should first contact the merchant or supplier directly. If the issue is not resolved, you can then raise a dispute with us.

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Before submitting a dispute

  • You have used a Handelsbanken credit or debit card
  • You have waited a few days to allow all transactions to be fully processed and posted to your account.You have attempted to resolve the matter directly with the merchant or service provider
  • You have a valid claim (see examples below)
  • You have attempted to resolve the matter directly with the merchant or service provider

You may get your money back if

  • You have noticed transactions on your card that you do not recognise
  • You have not received the goods or services you paid for
  • You received the wrong goods or services
  • You have been charged the wrong amount
  • The merchant has gone bankrupt

Supporting documentation required

  • Evidence that you have attempted to resolve the matter with the merchant or supplier
  • A screenshot or other supporting evidence of any suspected fraud attempt
  • Confirmation from the police that the incident has been reported
  • A detailed description of the events and circumstances
Submit a card transaction dispute (NETS)Öppnas i nytt fönster

How to submit a dispute

  • 1. Log in

    You will need BankID to log in to the dispute service. This ensures that your personal and card details are handled securely and confidentially.

  • 2. Dispute declaration

    If you do not have BankID, you can submit a written declaration and explanation on paper. Send us an email requesting a dispute claim form.
    kortreklamasjon@handelsbanken.no

  • 3. One card at a time

    You can only dispute transactions linked to one card at a time. If you wish to dispute transactions linked to multiple cards, you must submit a separate dispute for each card number.
    Submit a card disputeOpens in a new window

Do you suspect unauthorised activity on your account?

If you notice a suspicious or unfamiliar transfer on your account that you did not authorise, you can submit an account transaction dispute to us.
Report an account dispute
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Have you been targeted by fraud? Take action immediately

  • Contact us

    Do you suspect that someone has obtained your personal information or login credentials, or that you may have been targeted by a fraud attempt? Contact us immediately by calling Support24 or your local branch.
    +47 22 39 77 00

  • Report the matter to the police

    Report the matter to the police and wait for their confirmation before submitting your dispute claim.
    Report to the PoliceOpens in a new window

  • Block your card immediately

    Block your card immediately in the online or mobile banking app.
    Block your cardOpens in a new window

  • Any questions regarding the claim?

    If you need any help or have any questions about a card dispute, please get in touch with us by email.
    kortreklamasjon@handelsbanken.no

Terms and conditions

Your rights when making a dispute claim are governed by the rules of Mastercard and Visa, as well as the terms and conditions applicable to your card.

Time limits

If you wish to raise a dispute with the bank concerning a claim against a merchant or service provider, Handelsbanken must be notified at the earliest reasonable opportunity, in accordance with Section 2-7 of the Norwegian Financial Contracts Act and the terms and conditions of your card.

If you wish to raise a dispute with the bank regarding an unauthorised or incorrectly executed payment transaction, Handelsbanken must be notified without undue delay after you become aware that the transaction may be corrected, and no later than 13 months from the date of payment, in accordance with Section 4-24 of the Norwegian Financial Contracts Act and the terms and conditions of your card.

Privacy

Do you have questions about privacy? Read more about your rights regarding matters such as erasure, access to your personal data, complaints and consent in our Privacy Notice.

Read our general terms