Kraken card disputes and unauthorized transactions

Last updated: October 1, 2026

We understand how stressful unexpected transactions or having an issue with a purchase can be. If this happens, you can file a dispute directly in the Krak app. Please familiarize yourself with our terms of service on disputes and unauthorized transactions.

Common reasons to dispute a transaction:

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You didn’t authorize the purchase.
•
You were charged the wrong amount.
•
There was a problem with the goods or services you received.

Before you file a dispute

Please check the following first, as these may explain the charge:

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Is the merchant name different from the one you saw at checkout?
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Does the time, date, or location match something you may have forgotten?
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Could it be part of a subscription, fee, or tip?

If any of these apply, a dispute may not be possible and resolving it could take longer.

How to file a dispute:

1
Open the transaction details page in the Krak app.
2
Tap the question mark in the top-right corner, or select Get help with this transaction at the bottom.
3
If you still don’t recognize the charge, tap File a dispute, which opens a form for you to fill out with the details.
4
Once submitted, you’ll receive an email confirmation that your dispute is under investigation.
5
You’ll also find the details in your Krak app Inbox.
6

Investigations may take 45–60 days, though many are resolved much sooner. You’ll get an email notification (linked to your Inbox) whenever there’s an update.