There is a transaction I do not recognise

Check these before assuming fraud

1. The trading name. Many businesses bill under a parent company or payment processor name that looks nothing like the shop front. Open the transaction — we show the merchant's location and category.
2. The date. Card payments can settle several days after you made them, so the date on the statement may not be the day you paid.
3. Free trials and subscriptions. A trial converting to a paid plan is the single most common "unknown" charge.
4. Others on the account. A joint holder or an additional cardholder may have made it.
5. A pre-authorisation. Hotels, fuel stations and car hire firms reserve an estimate that later adjusts.

If it is still not yours

1. Freeze the card immediately.
2. Report it as fraud rather than as a dispute — the two are handled by different teams on different timelines.
3. Check for other unfamiliar entries, and review your beneficiary list and trusted devices.

Report unauthorised transactions as soon as you spot them. Prompt reporting is what protects your position.