Beta · An independent service by O AI — not a government website or legal advice

I used an ATM or paid by card, the transaction failed, but the money was taken. What should I do?

Prepared from the official page

Report it to your bank quickly. The bank must handle wrong or incomplete mada transactions within 2 business days from the transaction date.

Steps

  1. Call your bank or open its app, and file a claim about the transaction.
  2. Give the date, the amount, and where it happened.
  3. Keep the claim number the bank sends you by text message.
  4. If it is a credit card, ask to object to the transaction.
  5. If the bank does not fix the problem, file a complaint on the Saudi Central Bank portal.

Have ready:

  • The date and amount of the transaction
  • The ATM location or the shop name
  • The charge message or the receipt
Apply on the official website(opens in a new tab)Saudi Central Bank (SAMA)complaints-consumer.sama.gov.sa

Official sources (2)

rulebook.sama.gov.saFinancial Consumer Protection Principles and RulesLast checked: 7 October 2026(opens in a new tab)sama.gov.saFiling a Complaint Against Financial InstitutionsLast checked: 7 October 2026(opens in a new tab)

General information from official pages, not legal advice. Dalni is an independent service by O AI, not a government website.

All “Bank” questions

Different question? Ask Dalni

Sign in, then type your question or ask by voice. Prepared answers are free.