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How to identify unfamiliar transactions

Tips to help you identify the transaction and what to do next
Person holding tablet

Steps to take when you don’t recognise a transaction

1Check the retailer's name

Try an internet search of the name that appears on your statement. Sometimes retailers trade under different descriptions.

Some common retailer names can be found on our Retailer reference table.

2Look at other transactions made around the same time

This might remind you where you were when the unrecognised transaction was made.

3Did you make a purchase in another currency?

A transaction made in a foreign currency could appear as a different amount on your statement because of exchange rates.

4Check for additional charges

Some companies like hotels, taxis, airlines or hire cars can add additional charges that show up separately on your statement.

5. Check your emails for receipts or purchase confirmations

There may be one that matches the amount of the unrecognised transaction. This could be received the same date or earlier and show a retailer name different to the one appearing on your statement.

6. Check with any additional cardholder

Someone that you share your account with may have made the transaction.

7. Consider if you've signed up to a free trial

A free trial may have expired and you're now paying for the goods or services. Check the free trial period and terms and conditions.

8. Check if it's a repeat payment or subscription

Does the same transaction appear on your statement from one month or one year ago? It could be a payment you set up in the past.

After these checks:

How to dispute if the transaction is still unrecognised

If you're already registered for Digital Banking, then a quick and easy way to get in touch with us for any account specific queries is to use our 'Chat with us' service. This can be found within our Mobile Banking App or within Internet Banking and is available 24 hours a day, 7 days a week.

For those more straightforward banking queries, MOBI will try to help you first. If MOBI can't answer your query, MOBI will seamlessly transfer your chat to an agent, who'll get back to you with an answer as soon as they can. Learn more about MOBI

If you’re not registered for Digital Banking, you can chat with MOBI only on selected pages on our website.

You can 'Chat with us' via...

What else do I need to know...

*Make sure you're using the latest version of our app to ensure that all of our support features are available to you.

How do I stay safe in the future?

Set up digital banking for your credit card or Everyday Savings Account, and access your accounts safely and securely at your convenience.