How to File a Chargeback with Starling Bank
Everything you need to dispute a transaction with Starling Bank, including the best method, required documents, and expected timelines.
3-7 working days
App
Step-by-Step Chargeback Process
Contact Starling Bank via App
Explain the transaction you want to dispute and the reason
Provide all required documentation (see below)
Starling Bank will investigate and may issue a provisional credit
Wait for the investigation outcome (typically within the stated timeline)
If your chargeback is rejected, consider Section 75 (credit cards) or the Financial Ombudsman
Required Documents
- Transaction details (auto-populated)
- Dispute description
- Supporting evidence (uploaded via app)
Tips for Starling Bank
- •Use in-app chat to raise disputes
- •Starling is responsive and consumer-friendly
Section 75 vs Chargeback
If you paid with a credit card and the transaction was between £100 and £30,000, you may have a stronger claim under Section 75 of the Consumer Credit Act 1974. This makes Starling Bank jointly liable with the merchant.
Chargeback is useful for debit card purchases or credit card purchases under £100, where Section 75 doesn't apply. You can submit both a Section 75 claim and a chargeback simultaneously.
Frequently Asked Questions
How do I file a chargeback with Starling Bank?
You can file a chargeback with Starling Bank via App.
How long does a Starling Bank chargeback take?
3-7 working days
What documents do I need for a Starling Bank chargeback?
Transaction details (auto-populated). Dispute description. Supporting evidence (uploaded via app)
Need Help With Your Starling Bank Chargeback?
Frank can build your chargeback evidence pack, draft dispute letters, and guide you through the entire process.
Let Frank build your chargeback case