Can I reclaim a credit card surcharge?

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  • BenutzernameMoneyland User Questions
  • Status Member
  • Registriert seit1/27/17
  • Beiträge2142

Some Swiss stores add a surcharge when I pay with a credit card. Is there any way that I can reclaim the cost of these surcharges from the credit card issuer?

 
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  • BenutzernameMoneyguru von moneyland.ch
  • OrtSchweiz
  • Status Expert
  • Registriert seit8/4/15
  • Beiträge4079

Greetings,

Most Swiss credit card issues provide charge dispute forms, and some - like Viseca - provide a special dispute form specifically for surcharges. Completing a dispute form sets a dispute settlement process in motion. However, because this process can be lengthy and potentially involving, it is usually only worth filing a dispute when fairly large amounts of money are involved.

You can find dispute forms from some major Swiss credit card issuers here:

Swisscard:
"Online complaint form"

Viseca:
"Beanstandung eines Kreditkartenzuschlags"

Cembra Money Bank Migros Cumulus: 
"Beanstandungsformular"

UBS:
"Complaints concerning credit card surcharge"

Best regards from Moneyguru

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Cheap bank accounts with card

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  • 50 KeyClub points as a welcome gift

  • Online private account with debit card

Swiss digital bank

Radicant

  • High interest on your everyday account

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  • Up to 1% of card spending as saveback in the investment portfolio

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Bank WIR Bankpaket Top

  • Free account & card

  • No exchange fees for foreign payments (interbank exchange rates)

  • 24 ATM withdrawals worldwide per year free of charge

Swiss digital bank

Alpian

  • CHF 100 welcome bonus

  • Favorable foreign exchange rates

  • Multi-currency account with Visa card (CHF, EUR, USD, GBP) 

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  • Banking partner: Swissquote & Postfinance

  • CHF 20 trading credit with code «YUHMONEYLAND»

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