Sharesies Spend is currently in beta
To access Sharesies Spend before we roll out to everyone, you’ll first need to register your interest and be invited to the beta.
If you spot a charge on your Spend card that doesn’t look right, you can ask Sharesies to help you dispute the transaction. We’ll investigate, and in some cases we’ll request a chargeback (that’s when we ask the merchant’s bank to return the money on your behalf).
Keep your card safe
If you don’t recognise the transaction, or you think someone else may have used your card, freeze your card right away. You can do this in-app, and you can unfreeze it at any time.
Try the business first
Before asking Sharesies to step in, it’s best to contact the business you bought from directly. Most issues can be resolved quickly that way.
If they can’t or won’t help, you can reach out to us to dispute the transaction. To speed things up, gather any receipts, emails, screenshots, or messages showing how you tried to resolve it.
Ask Sharesies for help
If you can’t resolve the issue directly with the business and you’d like us to investigate, please let us know straight away and, at the latest, within 30 days of the transaction appearing on your account. After 30 days, the transaction will remain on your account and we may not be able to reverse it.
Here’s how to start a dispute.
Go to Portfolio > Spend in-app
Under Transactions, select the transaction you want to dispute
tap Get help with a transaction, and follow the prompts.
What you can and can’t dispute
You can dispute a transaction if:
you don’t recognise it
you were charged the wrong amount
you were charged more than once for the same item or service
you were charged without your consent
you didn’t receive the item or service you paid for
you were promised a refund and didn’t get it.
You can’t dispute a transaction if:
you disagree with the business over the quality of the goods or services you’ve bought; or
you change your mind about your purchase.
Unauthorised use
Your liability for the unauthorised use of your Spend card may be limited by Mastercard’s Zero Liability Protection policy. As a Mastercard cardholder, under the Mastercard rules you won’t be held responsible for any transactions made with your Spend card that were not authorised by you if:
you have used reasonable care in protecting your card from loss or theft; and
upon becoming aware of loss or theft, you promptly reported such loss or theft to Sharesies.
What happens next
After you submit your dispute, we’ll review the details and get in touch. Consider freezing your card, if you haven’t already.
If it’s established that the transaction or charge should remain, we will provide you with reasons, and may charge you a disputes and chargebacks fee.