Effective Date: January 24, 2026
At Westbridge Admiral Bank ("we," "our," or "us"), we strive to provide excellent service and transparent financial solutions. This Refund Policy outlines the terms and conditions under which refunds may be issued for fees, charges, or transactions processed through our banking services.
By using our services, you agree to the terms outlined in this policy. If you have any disputes regarding a transaction, please contact us immediately using the details provided at the end of this document.
As a financial institution, "refunds" generally apply to service fees, duplicate charges, or unauthorized transactions rather than the return of physical goods. We handle refund requests on a case-by-case basis, subject to the specific product terms and applicable banking regulations.
Transaction Errors: If a processing error occurs due to a fault in our systems (e.g., a double debit), we will investigate and refund the erroneous amount promptly.
Unauthorized Transactions: Refunds for unauthorized transactions are subject to our fraud investigation procedures and the terms of your account agreement.
We may consider refund requests in the following scenarios:
Duplicate Charges: If you have been charged twice for the same service fee or transaction due to a technical error.
Service Failures: If a paid service (e.g., a wire transfer or expedited card delivery) was not provided as described or within the promised timeframe, excluding delays caused by third parties or incorrect information provided by you.
Account Maintenance Fees: If an account maintenance fee was charged in error (e.g., if you met the waiver criteria), we will reverse the charge upon verification.
The following are generally not eligible for refunds:
Transaction Fees: Fees for completed wire transfers, currency exchanges, or ATM withdrawals are non-refundable once the service has been successfully executed.
Third-Party Charges: Fees charged by other banks, intermediaries, or merchants involved in a transaction.
Interest Charges: Interest accrued on loans or overdrafts is generally non-refundable unless calculated incorrectly.
Insufficient Funds Fees: Fees charged due to a lack of available funds in your account, provided the charge was made in accordance with your account agreement.
To request a refund or dispute a charge, please follow these steps:
Contact Support: Submit a request via our secure banking portal, email, or by writing to the address below.
Provide Details: Include your account number, the date of the transaction, the amount, and a detailed explanation of why you believe a refund is due.
Investigation: Our team will review your request. We may ask for additional documentation or evidence.
Acknowledgment: We will acknowledge receipt of your refund request within 2 business days.
Resolution: Most straightforward errors (like duplicate fees) are resolved within 5-7 business days. Complex investigations (such as fraud or international disputes) may take up to 30 days or longer, depending on regulatory requirements.
Credit: Approved refunds will be credited back to the original account used for the transaction.
If you have any questions about this Refund Policy or need to initiate a request, please contact us at:
Westbridge Admiral Bank (Headquarters UK) Central Station Rue des Colonies 11 1000 Bruxelles Belgium