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Disputing an unauthorised card or account payment (Romania)

Money & Debt
Română
Romania
Complaint & Appeal
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This document is in Romanian

The PDF you download is in Romanian — that is the language it has to be filed in, so it is not translated. Everything on this page is here to tell you what it says.

The notice in which a cardholder or account holder in Romania asks the bank to refund payments they did not authorise: the transactions disputed, when they were noticed, when the card was blocked, the sum claimed and the police report. Under Law no. 209/2019 the bank refunds by the end of the next business day, and the dispute must be raised without undue delay, within 13 months of the debit at the latest.

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Common questions

How soon must an unauthorised payment in Romania be disputed?
Without undue delay after noticing it, and within 13 months of the debit at the latest (Law no. 209/2019, transposing Directive (EU) 2015/2366). The faster the notice, the smaller the account holder's share of any loss.
When must the bank refund an unauthorised transaction?
Immediately, and by the end of the next business day at the latest after noticing or being told of the unauthorised transaction, unless it has good grounds to suspect fraud by the customer, which it reports to the authorities.
When does the bank not refund?
When the customer acted fraudulently, or intentionally or through gross negligence failed to keep the card and access details safe — by giving a code received by text message to someone posing as the bank, for example. Otherwise, for payments made with a lost, stolen or misused card before the bank is told, the customer is liable for at most 30 euros, paid in lei (Law no. 209/2019); once the bank has been told, for nothing, unless they acted fraudulently.

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