How do I recover hidden bank charges in India?

Upload your bank statement to ClaimBack. Our system scans every line for wrongful charges — late fees, VAS add-ons, minimum balance penalties, SMS alert fees — and generates a legally-worded complaint email addressed to your bank's grievance officer. Most banks resolve complaints within 48 hours.

Can I get a late payment fee reversed by my bank?

Yes. Banks in India reverse late payment fees for first-time offenders approximately 75% of the time when a polite but firm complaint is sent. ClaimBack drafts this email for you instantly.

What are VAS charges and how do I dispute them?

VAS (Value Added Services) charges are fees for services like hello tunes, cricket packs, or astrology subscriptions added by telecom operators without your explicit consent. Under TRAI regulations, these must be reversed within 7 days of a complaint. ClaimBack generates the complaint email automatically.

Is ClaimBack free to use?

Yes, ClaimBack is completely free. No login required. Your statement is never stored — it is processed and immediately discarded.

Which banks does ClaimBack support?

ClaimBack supports 20+ Indian banks and telecoms including HDFC Bank, ICICI Bank, SBI, Axis Bank, Kotak Mahindra Bank, Yes Bank, IDFC First Bank, IndusInd Bank, Airtel, Jio, Vi, and BSNL.

What happens if my bank doesn't respond to my complaint?

If your bank doesn't resolve your complaint within 30 days, you can escalate free of cost to the RBI Banking Ombudsman at cms.rbi.org.in under the RBI Integrated Ombudsman Scheme, 2021. This is a legally binding process.

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Built for India · Free to use

Your bank quietly
charged you fees
you never agreed to.

Upload your bank or credit card statement. We scan every line, find late fees, hidden insurance, VAS charges, and sneaky auto-renewals — and help you send complaint email in one-click. Takes 30 seconds.

₹3,870

Average recovered

75%

Late fee reversal rate

48 hrs

Average resolution

👨‍💼

👩

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👩‍💻

2,400+ people have scanned their
statements this month

Scan My Statement

FREE · NO LOGIN

or scan your own statement

📷

Take a photo of your bill

or tap to upload a PDF / image file

📄 PDF 📷 JPG Photo 🖼️ PNG HDFC ICICI SBI Airtel + more

PDF Password (if your statement is locked)

HDFC: First 4 letters of name + DDMM birth · ICICI/Axis/Airtel: DDMMYYYY · SBI: Last 4 digits of account

🔒 Your file is never stored · No login needed · 100% private

📷 Just take a photo of your bill — works as well as PDF

Real people, real money recovered

HDFC Bank

₹2,800

recovered in 3 days

"I had no idea HDFC was charging me ₹500 every quarter for SMS alerts I never opted into. ClaimBack found it and the complaint email worked immediately."

👩

Priya S.

Marketing Manager, Bengaluru

ICICI Credit Card

₹5,400

recovered in 7 days

"There was a ₹1,350 card protection insurance being charged every quarter. I never signed up for it. Sent the email, got full refund for last 4 months."

👨

Rahul M.

Software Engineer, Pune

Airtel

₹199

recovered same day

"Airtel had activated a music subscription I never asked for. Small amount but it had been going on for months. ClaimBack drafted the TRAI complaint and it was reversed within hours."

👩‍💻

Deepa K.

Teacher, Chennai

How it works

Three steps to get
your money back

📤

Upload your statement

Drop any bank, credit card, or telecom PDF — or just take a photo with your phone. We support HDFC, ICICI, SBI, Axis, Airtel, Jio and more. Enter your PDF password if it's locked.

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We scan every single line

Our system checks for late fees, VAS charges, minimum balance penalties, SMS alert fees, hidden insurance add-ons, and OTT auto-renewals — charges banks quietly add without your knowledge.

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Send the complaint in one click

For each charge found, we write a complete, legally sound complaint email addressed directly to the right grievance officer. Copy it, paste it, send it. Most banks respond within 48 hours.

What we detect

The charges banks
hope you never notice

⏰

Late Payment Fee

Banks charge ₹500–1,200 for a single late payment. First-time fees are almost always reversed if you ask correctly.

75% success

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Telecom VAS Charges

Hello tunes, cricket packs, astrology subscriptions — activated without your double confirmation, which violates TRAI rules.

68% success

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Card Insurance / Add-ons

Credit Shield, CardSafe, Loan Protect — recurring add-ons often enrolled without clear consent during card setup.

52% success

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Minimum Balance Penalty

Banks deduct ₹250–500 when balance drops below minimum. Long-tenure customers can often get first-time penalties waived.

40% success

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SMS Alert Fees

Many banks charge ₹25–75/quarter for transaction SMS alerts without ever getting your explicit opt-in consent.

55% success

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OTT Auto-Renewals

Netflix, Hotstar, Spotify renewals without explicit reminder are disputable via chargeback with your card issuer.

45% success

Your legal rights

Indian law protects you.
Here's how.

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RBI Banking Ombudsman

If your bank doesn't resolve in 30 days, escalate free to the RBI Banking Ombudsman. Legally binding. Under the RBI Integrated Ombudsman Scheme, 2021.

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File Within One Year

You have one year from the bank's final reply to file with the Ombudsman. Don't wait — disputes become harder to win over time.

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TRAI VAS Protection

Telecom companies cannot activate VAS without your explicit double confirmation. Any charge without consent must be refunded within 7 days.

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No Consent = No Charge

SMS alerts, insurance add-ons, card protection plans without written consent are legally disputable under RBI fair practice guidelines.

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Keep Your Records

Save your complaint reference number, email confirmations, and transaction dates. These are essential evidence if you escalate further.

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Late Fee First-Time Rule

Most banks have an informal policy to waive late fees for customers with a clean history — the first time. Just asking is often enough.

Your bank quietly charged you fees you never agreed to.

Your bank quietly
charged you fees
you never agreed to.