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Card transaction dispute

In order to dispute a card transaction in the Internet Bank, please open the account statement and click on the entry that you wish to dispute. In the opened display, select the reason for dispute in the drop-down menu:








Fill in the empty fields in the form and press the “Send to bank” button.

If you have any additional documents related to the disputed transaction (e.g., a cheque, correspondence with the merchant, a contract, etc.), please send these at the e-mail address or bring them to the nearest SEB branch office.

If you have no access to the Internet Bank, you can dispute card transactions at the nearest bank office, or by calling the customer support on 665 5100.

Application shall be deemed received by the bank
- on the current working day if the application is confirmed by the cardholder and submitted to the bank before 16:00
- on the next working day if the application is confirmed by the cardholder and submitted to the bank after 16:00
In case a working day is shortened according to the law, the above deadline shall be one hour prior to end of the shortened working day.
If information is missing from the application or there are inconsistencies in the information presented, the application shall be considered received by the bank after you have submitted the complete information to the bank.

Important to know

• According to the rules of international card organisations, the time of solving international chargebacks of cash and purchase transactions may be up to two months, since this includes communication with foreign banks and merchants.
• In case of online purchases (if the received good/service is of low quality / does not meet the requirements, or the goods were not delivered), a solution must be sought by addressing the merchant first. Keep all correspondence with the merchant.
• If you have registered your card data in an online environment, where regular transactions are executed (e.g. game environments, antivirus programs, etc.), and you no longer wish to use the service, you need to terminate the ordered service first. You cannot dispute card transactions made before the termination of service.
• Hotel or car rental transactions may include additional charges and no-show fees. Before disputing the transaction, please try to specify transaction details by addressing the merchant directly.



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