MICROSOFT*ONENOTE — OneNote Bank Charge Explained

MICROSOFT*ONENOTE on your bank statement is a transaction descriptor for OneNote, a technology company. OneNote is Microsoft's digital note-taking app, included with Microsoft 365. A separate charge is unusual because it comes with your Microsoft 365 subscription, so any related amount would appear under Microsoft.

What Is the MICROSOFT*ONENOTE Charge?

MICROSOFT*ONENOTE is a transaction descriptor for OneNote, a technology company.

OneNote is Microsoft's digital note-taking app, included with Microsoft 365. A separate charge is unusual because it comes with your Microsoft 365 subscription, so any related amount would appear under Microsoft. Look for MICROSOFT 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*ONENOTE is the official identifier that OneNote registered with Visa or Mastercard.

Is the MICROSOFT*ONENOTE Charge Legitimate?

OneNote is a well-known, legitimate company. Most charges from this merchant are authorised and relate to purchases or subscriptions you signed up for. If you don't recognise the charge, check your email for a receipt or log into your OneNote account to review recent activity.

How Do I Cancel or Dispute a MICROSOFT*ONENOTE Charge?

  1. Identify the charge: Confirm the charge is from OneNote 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 OneNote and cancel your subscription through account settings before the next billing date.
  3. Contact the merchant: If you do not recognise the charge, contact OneNote customer support and ask for an explanation and refund.
  4. Dispute with your bank: If the merchant does not resolve the issue, call the number on the back of your card and ask to raise a chargeback on the MICROSOFT*ONENOTE transaction. Provide the transaction date and amount.
  5. Section 75 rights: If you paid by credit card and the amount was over £100, you may have additional protection under Section 75 of the Consumer Credit Act 1974.

What Other Names Does OneNote Use on Bank Statements?

OneNote may also appear on your statement as:

Frequently Asked Questions About MICROSOFT*ONENOTE

What is MICROSOFT*ONENOTE on my bank statement?

MICROSOFT*ONENOTE is a bank statement transaction code for OneNote, a technology company. OneNote is Microsoft's digital note-taking app, included with Microsoft 365. A separate charge is unusual because it comes with your Microsoft 365 subscription, so any related amount would appear under Microsoft. Look for MICROSOFT on your statement. This descriptor appears because banks display a shortened payment code instead of the full company name.

Is MICROSOFT*ONENOTE a scam?

OneNote is a well-known, legitimate company. Most charges from this merchant are authorised and relate to purchases or subscriptions you signed up for. If you don't recognise the charge, check your email for a receipt or log into your OneNote account to review recent activity.

Why is MICROSOFT*ONENOTE on my bank statement?

MICROSOFT*ONENOTE appears on your statement because OneNote 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*ONENOTE?

To stop MICROSOFT*ONENOTE charges from appearing on your statement, you need to cancel your OneNote subscription or account. Log in to the OneNote website, go to your account settings, and cancel your subscription. If you cannot find the cancellation option or do not recognise the charge, contact your bank to dispute it and block future payments.

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

If you believe you have been charged incorrectly by OneNote, first contact their customer support to request a refund. If they are unresponsive or unhelpful, contact your bank and ask to raise a chargeback. You typically have up to 120 days from the transaction date to raise a chargeback claim. For credit card purchases over £100, you may also be protected under Section 75 of the Consumer Credit Act.

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