MICROSOFT* — Microsoft Bank Charge Explained

MICROSOFT* on your bank statement is a transaction descriptor for Microsoft, a technology company. Microsoft bills for a range of products including Microsoft 365, Xbox Game Pass, Xbox Live, OneDrive storage and Windows Store purchases. A recurring charge is usually a subscription such as Microsoft 365 or Game Pass billed monthly or annually.

What Is the MICROSOFT* Charge?

MICROSOFT* is a transaction descriptor for Microsoft, a technology company.

Microsoft bills for a range of products including Microsoft 365, Xbox Game Pass, Xbox Live, OneDrive storage and Windows Store purchases. A recurring charge is usually a subscription such as Microsoft 365 or Game Pass billed monthly or annually. It commonly appears as MICROSOFT, MSFT or MICROSOFT*<service> on your statement.

This code appears on your bank statement because banks display a short payment reference — set by the merchant's payment processor — rather than the company's full trading name. The code MICROSOFT* is the official identifier that Microsoft registered with Visa or Mastercard.

Is the MICROSOFT* Charge Legitimate?

A charge from this merchant may relate to a purchase, subscription, trial or another transaction. Only you and your bank can confirm whether a payment was authorised. It may help to check your email for a receipt, or log into your Microsoft account to review recent activity.

How Do I Cancel or Dispute a MICROSOFT* Charge?

  1. Identify the charge: Confirm the charge is from Microsoft by checking your email for a receipt or logging into your account on their website.
  2. Cancel your subscription: If you no longer want the service, log in to Microsoft and cancel your subscription through account settings before the next billing date.
  3. Contact the merchant: If you do not recognise this entry, contact your bank or card issuer and ask them to confirm the transaction and merchant details. Only you and your bank can confirm whether a payment was authorised.
  4. Contact your bank: If the merchant does not resolve the issue, contact your bank or card issuer using the number on the back of your card. They can explain what options may be available and what information they need.

What Other Names Does Microsoft Use on Bank Statements?

Microsoft may also appear on your statement as:

Frequently Asked Questions About MICROSOFT*

What is MICROSOFT* on my bank statement?

MICROSOFT* is a bank statement transaction code for Microsoft, a technology company. Microsoft bills for a range of products including Microsoft 365, Xbox Game Pass, Xbox Live, OneDrive storage and Windows Store purchases. A recurring charge is usually a subscription such as Microsoft 365 or Game Pass billed monthly or annually. It commonly appears as MICROSOFT, MSFT or MICROSOFT*<service> on your statement. This descriptor appears because banks display a shortened payment code instead of the full company name.

Is MICROSOFT* a scam?

A charge from this merchant may relate to a purchase, subscription, trial or another transaction. Only you and your bank can confirm whether a payment was authorised. It may help to check your email for a receipt, or log into your Microsoft account to review recent activity.

Why is MICROSOFT* on my bank statement?

MICROSOFT* appears on your statement because Microsoft processed a payment through their card payment provider. The code is set by their payment processor and is the official descriptor registered with Visa or Mastercard. Common reasons include a subscription renewal, a one-off purchase, or a trial period that has converted to a paid plan.

How do I cancel MICROSOFT*?

If you do not recognise this entry, contact your bank or card issuer and ask them to confirm the transaction and merchant details. Only you and your bank can confirm whether a payment was authorised.

How do I get a refund for a MICROSOFT* charge?

If you cannot resolve this with the merchant, contact your bank or card issuer. They can explain what options may be available for this type of payment and whether any time limits apply.

For more information about Microsoft and all its known transaction codes, visit the Microsoft merchant page.