How do I challenge a Macquarie bank dispute?
How to challenge a Macquarie bank dispute with the Banking Code of Practice and AFCA review options.
Regulator
AFCA
Key legislation
Banking Code of Practice
Dispute path
Letter first, deadline tracked. If they go quiet, escalation to AFCA is prepped and ready.
A Macquarie bank dispute may involve a card charge, a transfer problem, a fee, or a complaint about how the bank handled the issue. The Banking Code of Practice sets the benchmark for customer treatment, complaint handling and how banks explain decisions to customers.
Ask Macquarie to identify the transaction, the fee or service at issue, and the reason it rejected the complaint. If the dispute involves a refund or chargeback, keep the transaction history, screenshots, and any merchant response.
If Macquarie does not resolve the complaint properly, AFCA can review whether the bank treated the matter fairly and lawfully. Strong complaints are simple and tied to the facts, the bank’s reasons, and the remedy sought.
Frequently asked questions
What is the first step?
Ask for the bank’s written reasons and the transaction details at issue.
Does the Banking Code help?
Yes, because it sets expectations around complaint handling and customer treatment.
Can I complain about a fee?
Yes. Fee disputes can be raised as part of the bank complaint if the charge appears wrong or unclear.
What should I keep?
Statements, screenshots, fee notices, and all bank or merchant correspondence.
Is AFCA available?
Yes, if the bank’s internal process does not resolve the complaint.
What if the bank says the charge is final?
You can still ask for the basis of that decision and challenge it if the reasoning is not adequate.
What if Macquarie just ignores my letter?
Silence is not a dead end, it is a deadline breach. Macquarie is expected to respond to a formal complaint within 30 days. Build your letter with us and we track that deadline for you: a countdown check-in two weeks in, and if they miss the deadline, your escalation to AFCA (the Australian Financial Complaints Authority) arrives pre-filled and ready to lodge. Escalating is free.
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Open the Macquarie armoury →screwtheman.com is not a law firm and does not provide legal advice. The content on this page is for general information on consumer rights, legislation, and dispute pathways. For complex legal matters, consult a qualified lawyer or the relevant regulator.