Record immediately — Barka advice
Record time, location, ATM operator, requested amount and cash actually received, including zero. Keep the receipt and a transaction screenshot with unrelated activity hidden. Do not repeatedly withdraw to test the fault.
Contact your card issuer
Describe the facts to your bank and identify the ATM operator if different. BIAT publishes complaint channels via form, branch and customer service; other banks have their own. Ask for a reference and the dispute procedure for your card.
Follow through to the outcome
State whether the debit is pending or posted and tell the bank about changes. Keep responses until the account is reconciled. Forum anecdotes do not guarantee an automatic refund deadline.
How this guide was checked
Linked discussions explain why this topic was selected; their replies are not verified rules. Facts are attributed to the named organisation and practical steps are Barka advice. Sources were consulted on 24 September 2026; confirm current requirements with the service.
Useful questions
Should I give support my PIN?
No. Do not share your PIN, card security code or verification codes. Use your bank’s official contact, not a stranger offering to recover the money.
Sources and verification
Sourced references and Barka tips. Prices, availability and procedures may change: check terms with the relevant organisation.
- BIAT · Canaux de réclamationProvider information ·
- Discussion publique · Reddit r/Tunisia · Débit sans billets (témoignage, non vérifié)Editorial reference ·
