Spanish · Pagos / transferencia
There is a payment on your statement that you do not recognise: what to say in Spanish
There is a charge on your statement that you don't recognise.
💡
How it's done. If you see an unknown charge, go to the bank at once with a complaint (reclamación); the bank may block the card and issue a new one.Prepared by the Movko team, November 2026. This is language help, not legal or medical advice: check the rules with the office itself.
Cheat sheet for your visit
The first phrase is open: tap ▶ to listen, or “Show” to show it to the other person. The rest of the dialogue is in the course in the app.
1
YOU START
Tengo un cargo en mi cuenta que no reconozco.
TAYN-goh oon KAHR-goh en mee koo-AYN-tuh keh noh reh-koh-NOS-koh.
There's a charge on my account that I don't recognise.
THEY SAY
¿De cuánto es y de qué fecha?Deh koo-AHN-toh es ee deh keh FEH-chuh?
How much is it and what date?
They might also say:
¿Qué importe es y cuándo se hizo?
Keh eem-POR-teh es ee koo-AHN-doh seh EE-soh?
What amount is it and when was it made?
2
YOU REPLY
Son cuarenta euros, del lunes pasado.
Sohn koo-uh-RAYN-tuh EH-oo-ros, del LOO-nes puh-SAH-doh.
It's forty euros, from last Monday.
THEY SAY
Vamos a bloquear la tarjeta y abrir una reclamación.BAH-mos uh bloh-keh-AHR lah tuhr-KHEH-tuh ee uh-BREER OO-nuh reh-kluh-muh-SYOHN.
We'll block the card and open a complaint.
3
YOU REPLY
Gracias. ¿Cuánto tardan en devolvérmelo?
GRAH-syuhs. Koo-AHN-toh TAHR-dahn en deh-bol-BEHR-meh-loh?
Thanks. How long does it take to refund it?
THEY SAY
Entre diez y quince días.AYN-treh dyehs ee KEEN-seh DEE-uhs.
Between ten and fifteen days.
4
YOU FINISH
De acuerdo, gracias.
Deh uh-koo-EHR-doh, GRAH-syuhs.
All right, thanks.
The course is in the app
This dialogue is part of the course “Spanish for life in Spain”: 416 situations with audio, a pronunciation guide and spaced review.
On the website the first dialogue, the 112 category, the rescue phrases and the “Basics” are fully open.
Words worth knowing
Tengo
TAYN-goh
verb
I have
cargo
KAHR-goh
noun
charge, debit
cuenta
koo-AYN-tuh
noun
account
no
noh
adverb
no
reconozco
reh-koh-NOS-koh
verb
I recognise
es
es
verb
is
31 more words, with explanations, base forms and tap-a-word help, are in the app.
If you did not understand
¿Puede repetirlo, por favor?
Poo-EH-deh reh-peh-TEER-loh, por fuh-BOR?
Can you repeat that, please?
¿Puede hablar más despacio, por favor?
Poo-EH-deh uh-BLAHR mahs des-PAH-syoh, por fuh-BOR?
Can you speak more slowly, please?
¿Puede escribírmelo, por favor?
Poo-EH-deh es-kree-BEER-meh-loh, por fuh-BOR?
Can you write it down for me, please?
¿Qué significa esto?
Keh seeg-nee-FEE-kuh ES-toh?
What does this mean?
Similar situations
You pay cash into your accountPagos / transferencia · A2 in the app
→You send money to a friend through BizumPagos / transferencia · A2 in the app
→You pay a bill at a cash machine or at the counterPagos / transferencia · A2 in the app
→You set up a direct debit for electricityPagos / transferencia · B1 in the app
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