ATM did not dispense but debited?
You wanted to withdraw money, but the machine dispensed nothing (or too little), and the amount is still gone from your account? That happens, for example with a malfunction. The difference is yours; with the right complaint you get it back.
Reach your next steps and the matching ready-made texts in just a few minutes, free of charge:
Demand a refund →Your chances of getting your money back
What you should do now
- 1
1. Document the incident
Note the time, machine location/number and the amount not dispensed. Keep any receipt.
- 2
2. Inform your bank
Report the incident to your bank immediately and, if it was a machine of another bank, if possible also to the operator.
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3. Demand a refund
Demand the reversal/refund of the difference. The bank can have the machine's cash reconciliation checked.
- 4
4. Stay on it
If clarification drags on, set a deadline and refer to your claim for a refund.
Frequently asked questions
Do I get my money back if the machine did not dispense?
Yes. If your account was charged without the machine (fully) dispensing the money, you have a claim to a refund of the difference. The operator can trace this via the machine's cash reconciliation. Complain to your bank promptly.
How quickly do I have to complain?
As soon as possible. The earlier you report the incident with date, time and machine location, the easier the discrepancy can be clarified via the cash reconciliation. Have any receipts ready.
Take action now
We put together the ready-made texts and the right places to contact for you.
General information for self-help, not legal advice (RDG). In case of a high loss or uncertainty: contact a consumer advice center or a lawyer.