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What is chargeback and when can you get your money back in Denmark?

Your right to a refund on online card purchases.

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Short answer

Chargeback means that your bank returns money that was taken from your payment card. It applies to distance purchases where you typed the card number, expiry date and control digits, and to payments with a mobile payment app. You have the right to a refund if the goods or service was not delivered, if more was taken than agreed, or if you cancelled before delivery. You must first try to get the money back from the seller, and keep proof, such as emails. Transfers from online banking are not covered.

Practical info

Why

  1. The right is in § 112 of the Payments Act.
  2. A wrong item counts the same as an item that was never delivered.
  3. The bank can refuse if you wait too long.

Details

If you cancel before delivery, the seller must refund you within 14 days: only if that fails do you turn to your bank.

Tip

Contact the seller in writing as soon as something goes wrong, so you can show the bank that you tried first.

What may differ

With a foreign credit card you may also get money back if the seller goes bankrupt, depending on your card agreement.

Common misconception

You can use chargeback when you simply regret a purchase after you have received it.

What actually happens

Chargeback does not cover cancelling after delivery: then you use your right of withdrawal with the seller.

People also ask

  • Can you get money back from a MobilePay payment sent by mistake?
  • How fast must the bank refund an unauthorised card payment?
  • Where can you complain if the bank refuses a chargeback?

Sources

This answer is for reference only. Payment rules, limits and fees change, so check the official sources or your bank before you pay.

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