XBOX GAME PASS — Microsoft Bank Charge Explained

XBOX GAME PASS 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 XBOX GAME PASS Charge?

XBOX GAME PASS 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 XBOX GAME PASS is the official identifier that Microsoft registered with Visa or Mastercard.

Is the XBOX GAME PASS Charge Legitimate?

Microsoft 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 Microsoft account to review recent activity.

How Do I Cancel or Dispute a XBOX GAME PASS 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 the charge, contact Microsoft 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 XBOX GAME PASS 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 Microsoft Use on Bank Statements?

Microsoft may also appear on your statement as:

Frequently Asked Questions About XBOX GAME PASS

What is XBOX GAME PASS on my bank statement?

XBOX GAME PASS 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 XBOX GAME PASS a scam?

Microsoft 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 Microsoft account to review recent activity.

Why is XBOX GAME PASS on my bank statement?

XBOX GAME PASS 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 XBOX GAME PASS?

To stop XBOX GAME PASS charges from appearing on your statement, you need to cancel your Microsoft subscription or account. Log in to the Microsoft 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 XBOX GAME PASS charge?

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