In Australia, Beaufort Fiduciaries Pty Ltd (ACN 162 139 871, AFSL No. 545124) provides wholesale clients with access to derivatives where the underlying assets are digital assets. Derivatives are complex, regulated financial products that are difficult to understand and may not be suitable for inexperienced investors. For eligibility, terms and conditions click here. Krak Pay is offered by Bit Trade Australia Pty Ltd (ACN 163 237 634), Authorised Representative of Flexewallet Pty Ltd (AFSL 448066). This information is general in nature and does not take into account your personal objectives, financial situation or needs. You should consider whether it is appropriate for you and read the relevant disclosure documents before making any decision.

Kraken card disputes and unauthorized transactions

Last updated: June 29, 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 familiarise yourself with our terms of service on disputes and unauthorised transactions.

Common reasons to dispute a transaction:

  • •

    You didn’t authorise 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:

  • •

    Is the merchant name different from the one you saw at checkout?

  • •

    Does the time, date, or location match something you may have forgotten?

  • •

    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. 1

    Open the transaction details page in the Krak app.

  2. 2

    Tap the question mark in the top-right corner, or select Get help with this transaction at the bottom.

  3. 3

    If you still don’t recognize the charge, tap File a dispute which will return a form for you to fill out the details.

  4. 4

    Once submitted, you’ll receive an email confirmation that your dispute is under investigation.

  5. 5

    You’ll also find the details in your Krak app Inbox.

  6. 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.

Need more help?