TEMU — Temu Bank Charge Explained

TEMU on your bank statement is a transaction descriptor for Temu, a retail company. Temu is a fast-growing Chinese e-commerce platform offering very cheap products across many categories. Charges are individual orders that vary in size and ship from overseas.

What Is the TEMU Charge?

TEMU is a transaction descriptor for Temu, a retail company.

Temu is a fast-growing Chinese e-commerce platform offering very cheap products across many categories. Charges are individual orders that vary in size and ship from overseas. They typically appear as TEMU or TEMU.COM; check for any charge you did not authorise.

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 TEMU is the official identifier that Temu registered with Visa or Mastercard.

Is the TEMU Charge Legitimate?

Temu has received mixed reviews and reports of unexpected charges. If you do not recognise this charge, we recommend contacting your bank immediately to dispute it and request a chargeback. You do not need to contact the merchant first.

How Do I Cancel or Dispute a TEMU Charge?

  1. Identify the charge: Confirm the charge is from Temu 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 Temu and cancel your subscription through account settings before the next billing date.
  3. Contact the merchant: If you do not recognise the charge, contact Temu 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 TEMU 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 Temu Use on Bank Statements?

Temu may also appear on your statement as:

Frequently Asked Questions About TEMU

What is TEMU on my bank statement?

TEMU is a bank statement transaction code for Temu, a retail company. Temu is a fast-growing Chinese e-commerce platform offering very cheap products across many categories. Charges are individual orders that vary in size and ship from overseas. They typically appear as TEMU or TEMU.COM; check for any charge you did not authorise. This descriptor appears because banks display a shortened payment code instead of the full company name.

Is TEMU a scam?

Temu has received mixed reviews and reports of unexpected charges. If you do not recognise this charge, we recommend contacting your bank immediately to dispute it and request a chargeback. You do not need to contact the merchant first.

Why is TEMU on my bank statement?

TEMU appears on your statement because Temu 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 TEMU?

To stop TEMU charges from appearing on your statement, you need to cancel your Temu subscription or account. Log in to the Temu 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 TEMU charge?

If you believe you have been charged incorrectly by Temu, 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 Temu and all its known transaction codes, visit the Temu merchant page.