How to identify unfamiliar transactions

Steps to take when you don’t recognise a transaction

• Check 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.

• Look at other transactions made around the same time

  This might remind you where you were when the unrecognised transaction was made.
• Did 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.
• Check for additional charges

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

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