Still waiting on a UBank refund?
Can you get a refund from UBank? Check eligibility first
- Unauthorised or fraudulent charges: Eligible for refund/dispute if you didn’t authorise a transaction (e.g. stolen card, scam access).
- Billing errors & duplicates: Wrong amounts or double charges qualify for refunds.
- Goods/services not received: If you paid but didn’t get the product/service, you can dispute.
- Merchant cancellations/no refunds: Covered if the merchant cancels and fails to refund (chargeback applies).
- Exclusions:
- Change-of-mind isn’t eligible (merchant’s policy applies).
- “No-show” or cancellation fees if you didn’t cancel correctly.
- Pending transactions (must settle before disputing).
- Scam losses where you gave away credentials (banks often deny unless bank failed in security).
- Change-of-mind isn’t eligible (merchant’s policy applies).
How to get a refund from UBank
- Review the charge: Double-check merchant name, family purchases, or delayed posting.
- Contact the merchant (if non-fraud): Many errors can be fixed faster directly.
- Call UBank:
- 13 30 80 (AU) or +61 2 9070 0202 (overseas).
- Hours: Mon–Fri 8am–7:30pm, Sat–Sun 8am–5:30pm (Sydney time).
- 13 30 80 (AU) or +61 2 9070 0202 (overseas).
- Provide details: Transaction date, merchant, amount, and reason for dispute.
- Submit evidence: Screenshots, receipts, order confirmations if asked.
- Get confirmation: You’ll receive a reference number and email. Fraud cases may result in card blocking/replacement.
- Track outcome: uBank investigates and liaises with merchant bank. You’ll be updated by email.
- Refund applied: If approved, funds go back into your original uBank Spend or Save account.
UBank’s refund timeframe - how long it takes
- Standard resolution: Most refunds processed within 21–45 days.
- Fraud/clear-cut cases: Often resolved in 1–2 weeks.
- Worst case: Can stretch up to 180 days if merchant challenges (rare).
- Initial updates: Expect contact within 7 business days, and a formal update within 21 days.
- Interim/provisional refunds: Sometimes applied upfront but can be reversed if the case is lost.
- Delays: Caused by missing documents, merchant disputes, or international transactions.
UBank’s refund methods - how you'll get your money back
- Direct account credit: Funds go back into the same uBank account that was charged.
- Original payment reversal: Always refunded via the same method (card/account).
- Mistaken transfers: Refunded via recovery process outlined in ePayments Code.
- Provisional credits: Can be reversed if final investigation rules against you.
- No cash/cheque refunds: All handled electronically into your account.
Common refund issues with UBank
- Mistaking merchant names for fraud (legit transactions).
- Trying to dispute pending (not yet settled) transactions.
- Missing the chargeback time limit (~120 days).
- Not supplying receipts/emails to support your claim.
- Scam losses where customer gave away login/OTP codes.
- Ignoring uBank’s emails requesting more info.
- Disputes where merchant terms were valid (e.g. non-refundable bookings).
UBank cases submitted through Ajust
I had two unauthorised transactions taken from my UBank account, including nearly $100 that I needed for basic food. I reported it straight away, but was told the investigation could take time and there were no guarantees. While waiting, I was left without money I rely on day to day. I just wanted my funds returned quickly so I could cover essentials and feel secure again. - Tynan
UBank closed my account due to flagged transactions that were actually authorised by me, then held onto $300 with no clear timeline to return it. I tried contacting them multiple times but kept getting no real answers. That money was mine and suddenly inaccessible. The stress came from not knowing when, or if, I’d get my funds back after the account was shut. - Samantha
My account was closed immediately with no notice, and I wasn’t given any chance to withdraw my money. All my funds were suddenly inaccessible, and no cheque or transfer was provided. I contacted UBank repeatedly but got nowhere. Being locked out of my own money without warning was overwhelming, especially when banks usually allow time to move funds before closing accounts. - Mozammil
UBank terminated my account without explanation and didn’t let me access the $1,300 left in it. I was told there was no fraud involved, yet my money was removed and returned elsewhere without my consent. This happened just before a weekend, leaving me with no access to funds. I needed clarity and control over where my money went, but got neither. - Rhea
Customer experiences with UBank refund cases
Fast fraud refund: Customer reported uBank detected and reversed a fraudulent charge before they noticed. It was refunded instantly.
Partial scam refund: A victim of a scam got 50% back after persistence and escalation as a goodwill compensation.
Customer impressions: Support can involve wait times, but disputes are resolved professionally once lodged.
How UBank Refund Policy Compares to Competitors
- Similar coverage: Matches CBA, Westpac, ANZ, ING (all follow Visa/Mastercard chargeback rules).
- Process difference: uBank = phone-based disputes. Competitors (CBA, NAB, Up Bank) offer in-app/online forms.
- Resolution speed: CBA/Amex often faster with provisional credits. uBank quotes 45 days but resolves many faster.
- Transparency: Competitors list exclusions more explicitly. uBank provides enough info but less detail in public FAQs.
Summary: Protections are equivalent – differences are in convenience of dispute initiation and customer service style.
Official UBank Refund Resources & Links
UBank Refund FAQs
Can you actually get a refund from uBank if something goes wrong with a payment?
Yes, you can get a refund from uBank if the transaction meets chargeback or dispute eligibility rules. uBank refunds apply to unauthorised transactions, billing errors, goods not received, or merchant cancellations without refunds. These protections follow Visa and Mastercard rules, so you’re covered even if the merchant refuses to cooperate. The key is acting within time limits and providing clear transaction details so uBank can investigate properly.
What types of uBank transactions are not eligible for a refund?
Change-of-mind purchases and valid cancellation or no-show fees are usually not eligible for a uBank refund. If a merchant’s terms were clear and correctly applied, uBank will not override them. Pending transactions also can’t be disputed until they settle. Scam losses where you voluntarily shared login details or one-time passcodes are commonly declined unless uBank failed to meet security obligations.
How long does a uBank refund or dispute actually take?
Most uBank refunds are resolved within 21 to 45 days, depending on the complexity of the case. Straightforward fraud cases can be fixed in one to two weeks, while disputed merchant claims may take longer if challenged. uBank usually provides an initial update within seven business days and a formal status update within 21 days, keeping you informed by email throughout the process.
What’s the fastest way to improve your chances of getting a uBank refund approved?
The fastest way is to double-check the transaction, contact the merchant first if it’s not fraud, and submit complete evidence when uBank asks. Missing receipts, ignoring follow-up emails, or disputing too late are common reasons refunds fail. Acting early, clearly explaining why the charge is incorrect, and responding promptly to uBank’s requests significantly increases your chance of a successful refund outcome.
You deserve your money back, don’t let it slip away.
Take two minutes to file a formal
UBank
refund request that gets seen.