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    How fast must a bank refund an unauthorised card payment in Finland?

    The deadline banks must meet when a card has been misused.

    Answered at: Checked at:

    Short answer

    KKV says that if your card has been used without authorisation and you are not liable, the bank must return the unauthorised payment to your account immediately, and at the latest on the next business day after it discovered the payment or was informed of it. Report the misuse to your bank as soon as you notice it.

    Practical: communication, money, services

    Why

    1. KKV states that the bank must refund immediately when you are not liable.
    2. The latest deadline is the next business day, according to KKV.
    3. FIN-FSA says your liability ends when you notify the bank.

    Details

    The bank may first investigate whether you acted with care. If it suspects fraud by the customer, the rules are different.

    Tip

    Check your account regularly in the banking app, so you notice unknown payments quickly.

    What may differ

    Disputes about online purchases or goods that never arrived follow a different process.

    Common misconception

    Refunds for card fraud take months.

    What actually happens

    If you are not liable, the deadline is the next business day.

    People also ask

    • Who pays if my card is used without permission?
    • What should I do if I lose my bank card in Finland?
    • Can you limit where your card works?

    Sources

    This answer is for reference only. Banks set their own terms, so check the details with the bank before you act.

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