I do not recognise a transaction on my account. What should I do?
If you do not recognise a transaction on your current account, debit card or credit card, you should always investigate it. You may not recognise a name that appears, or the time of a purchase may not match what you remember. More often than not, in situations like these the transaction tends to be genuine, but it’s worth repeating that you should always check it out when you’re unsure.
‘SEPA DD’ on your account
You may see ‘SEPA DD’ (SEPA Direct Debit) appear on your account on the first day a direct debit appears. The phrase ‘SEPA DD’ will update to the company name after the amount is fully processed on your account.
For more details on how to view previous direct debits click here
Have you seen a transaction like this one on your account?
If you have, it’s likely to be a cross-border transaction you made with your debit card, at a card terminal outside of the Republic of Ireland. You may have inserted the card and used your PIN, or made a contactless or Apple or Google Pay payment. It could also be a transaction you made online, either as a once-off payment or as part of a subscription you signed up for, like Amazon Prime, for example, where the service is outside the Republic of Ireland. The transaction name you see on your online banking is broken down into the date, currency, amount and exchange rate.
Many companies trade under a name that does not match the one above the shop door or the web address. You may have bought something from Boots for instance, but the name that appears in your transaction list is ROI ECOMm, a legitimate trading name for Boots in Ireland. A quick search of the unrecognised name using Google may help to identify the name you would be more familiar with.
Here are some trading names of companies that customers have often not recognised in the past, followed by the more familiar name or service.
- AIRWALLET APS GALWAY IE -> Public Washing Machines/Dryers
- AWP P&C S.A DUTCH BRAN -> Insurance (Online tickets for concerts etc.)
- Buymie -> Lidl home delivery
- Call Centre at BVCB Belfast -> Belfast Visitor & Convention Bureau /Translink call centre
- Certacodas -> Oil Heating
- Clydaville Investments -> The Kilkenny Shop
- Comms XL -> Eason Book store
- Corajio -> Mr. Price
- DEBITASK COLLECTION -> HSE Hospital Bill
- DIRECTF -> Stena Line
- Empathy Marketing -> Pigsback
- Euro Parking Collection -> M50 toll charge
- FFNHELP.COM -> Dating Website
- Go Plator -> ESB Car Charging Point
- GW2 account verification -> Card verification for Etsy.com
- Health Services Credit Dublin -> Credit Union
- HB EIRE WEB -> Holland and Barrett
- IFL Finance Dublin -> Irish Ferries
- ISS Swords -> Lifestyle Sports
- JC DECAUX SA -> Dublin Bikes
- JustAnswr (e.g., Lawyer*JustAnswr) -> Just Answer website subscription
- KENTIAN LTD -> Mulhall’s SuperValu
- LC International -> Ladbrokes
- MCGENTERTA*FOLLOWFOX -> Santa House – Palmerstown
- MOBIELWERKT B.V. -> Gomibo – Mobile Phone/Tablet/Gadget
- NECLSCH -> Contactless/online or tokenised transactions for cross border payments
- NEPOSCH -> Point of sale/chip and pin or contactless transactions for cross border charges.
- NYA*Corevend Limited -> Vending Machines
- NYA*Gough Brothers -> Air-pump at Circle K
- Ogalas Unlimited -> Home Store + More
- PHOTO ME IRELAND -> Washer/dryers you would find at service stations
- PRISM LTD -> A system used for late hotel cancellation fees
- Puntofaslma -> Mango clothing
- Retail in Motion -> Inflight purchases/Duty Free
- ROI ECOMm -> Boots Pharmacy
- Sport Ticketing NJUKO -> Charity run / Triathlon / Mud Run etc.
- Store Financial Service -> Dundrum shopping centre gift vouchers
- Sumbill -> GAA Match on TV
- Sumup -> Mobile Card Reader
- SUPERPEDESTRIAN -> Escooter Rental
- THE BVSC -> Kildare Village Shopping Outlet
- UNIVERSE.COM/CHARGE -> Football match tickets
- Venntro Media -> Dating Sites
- VF NORTHERN EUROPE SER -> The North Face, Vans, Timberland, Kipling clothing
- Webtransact -> Service used by businesses to process payments online, for example a TV service
- WLY -> Completesave payment
- Young Adult Card -> Leap card/ Luas card etc.
- 28DC TERM 8 2021 -> Dance Yourself Fit
Time of the transaction doesn’t match up
Many companies do not process all payments immediately. This means that the time and date you see on your statement may not match when you made your purchase. This can happen often with purchases made over a weekend or in the evening, when the transaction amount is processed on the next business day.
The name, time or amount of the transaction aren’t familiar
If none of the details are helping you to recognise the transaction, ask yourself the following:
- Did I place an order over the phone or online recently?
- Did I share my card details at any stage over the phone or online?
- Did I tap in or share the full card number/expiry date/CVV code?
- Have I signed up for a new product or service lately?
- Has anyone else – partner, family member, friend – used my card?
I’ve checked all the above, but I still do not recognise the transaction. What should I do?
Call us now on the appropriate number below.
Emergency Contact Numbers
Republic of Ireland
Freephone: 1800 946 764 (personal and business)
Great Britain & Northern Ireland
Freephone: 0800 121 7790 (for 365 credit card customers)
Great Britain & Northern Ireland
Freephone: 08000 321 288 (for BOL & Global Market customers)
Everywhere outside Republic of Ireland, Great Britain & Northern Ireland
Not Freephone + 35316798993