Refund Policy

Online Orders

An order may be cancelled free of charge at any time before dispatch — the full amount is refunded.
Once an order has been dispatched, the Return / Exchange Policy applies instead.

Failed or Duplicate Payments

If money is deducted but no order or instalment is recorded, the amount is automatically reversed by the payment gateway. Any amount not auto-reversed is refunded to the original payment method within 5–7 working days of your report.

Savings Scheme Amounts

Scheme instalments, maturity values, bonuses and settlement amounts are governed entirely by your scheme contract. Please refer to the contract delivered to your WhatsApp, or ask your branch for a printed copy.

How Refunds Are Paid

Refunds are made only to the original payment method or, for cash transactions, through your branch against your invoice and ID.
All refunds are recorded against your invoice number — please quote it in any correspondence.