As of 13 August 2026, AI can request a chargeback from your bank.

What to actually do

1. Hand it to a person

   The route this page recommends

   A person who owns the outcome does this end to end, worth it when the failure is dear.

2. Use a tool built for this

   Second choice

3. Do it yourself

   The distant third

   A chat interface, chat-fluent skill, and roughly 30 minutes until you can act on the result.

   How to actually do it

   1. Open your bank statement or card account and record the transaction date, merchant name, amount, payment method and transaction reference, hiding full card numbers and security codes.
   2. Gather the order confirmation, receipt, contract or service description, delivery records, cancellation or refund terms, and every message you sent to or received from the merchant.
   3. Write a short chronological account of what you paid for, what went wrong, when you contacted the merchant, what response you received and what refund or other remedy you want.
   4. Paste the supplied prompt into a chatbot and add the redacted transaction details, account and merchant evidence, asking it to use only those facts.
   5. Compare the draft timeline, amount, payment method, merchant name and requested remedy against your bank records and correspondence, and remove every statement you cannot prove.
   6. Open your bank's official app or website, follow its current card dispute or chargeback process, attach the checked evidence and send the request yourself.
   7. Save the submitted message, attachments, confirmation and any case reference, then follow the bank's response instructions and ask the bank which formal complaint route applies if it rejects the request.

   Prompt

   Help me prepare a UK bank chargeback request. This is not professional advice and you must not decide that I am legally entitled to a refund. First, separate the facts I provide from assumptions and identify any missing information. Then explain, in plain English, whether the facts appear relevant to a possible chargeback, while clearly labelling uncertainty and telling me to confirm the bank's current process. Draft a concise message to my bank using only the facts below. Do not invent dates, amounts, conversations, promises, legal rights or evidence. Do not exaggerate or accuse the merchant. Include a chronological timeline, the transaction details, what I bought, what went wrong, what I tried with the merchant, the remedy I am requesting and a numbered list of attachments. Flag anything I must check before sending, including whether the transaction was made by debit card, credit card or another payment method. Do not include full card numbers, passwords, security codes or unnecessary personal data. If the case is large, complex or disputed, tell me to speak to a solicitor or a regulated financial adviser. My details and evidence are: [paste transaction record, merchant correspondence, order or service details, dates, amount, payment method and relevant documents here].

   Open it prefilled in ChatGPT or Claude, or copy it into Gemini, which takes no prefill link.