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How to Complain

We aim to provide you with the highest standards of service, however there may be occasions when the service you receive does not meet your expectations. Telling us about it gives us a chance to fix things.

We want to:

  • Make it easy for you to raise your complaint
  • Listen to your complaint
  • Consider how you would like us to remedy your complaint
  • Make sure you are satisfied with how your complaint was handled
How to Contact us

By email to us: support@getbueno.com
or
By email to: complaints@hubuc.com

What We Need

Please provide us with as much information as possible when making your complaint. This will help us to understand the issue and resolve it quickly. Please include:

  • Your name and address
  • Your account details
  • A description of your complaint and how it’s affected you
  • When the issue happened
  • Your contact details and how you would like us to contact you
What to Expect Next
Immediately Our aim is to resolve your complaint as quickly as possible, but you will receive a response from us within 1 business day so you know we have received your complaint. This will contain your complaint reference number for your records and will help us find your information quickly should you need to contact us.
5 business days If we have been unable to resolve your complaint within 5 business days, we will write to you and:
• Explain why we have not managed to resolve your complaint
• Tell you how long we expect to take to resolve it
• Confirm that your complaint has now been forwarded to HUBUC, the Programe Manager, for review

15 business days In most cases, HUBUC will be able to resolve your complaint within 15 business days. If they have not resolved it within 15 business days, they will write to you to confirm either:
1. Your complaint has been accepted and, if applicable, offer a remedy;
2. Your complaint has been rejected but will include information on how we can fix the problems you are experiencing;
3. Reject your complaint and let you know why they are doing so; or
4. Advise that your complaint may take further time to resolve, explain why and provide you a date they, or the financial services partner, will respond by. This will be no longer than 35 days from when you first registered your complaint.
35 business days After the 15 days, if your complaint relates to your debit card or SEFIDE account, in our 15 day response we will provide you the contact details for SEFIDE or Transact Payments Malta Limited who will continue to work with you to resolve your complaint.
What if you're not happy with the response?

If your complaint relates to your debit card

If you don’t agree with our response, your complaint relates to your debit card and you wish to take it further, in the first instance you should contact the card issuer Transact Payments Malta Limited, Vault 13-15, Valletta Waterfront, Pinto Wharf, Valetta, Malta, FRN 1913, email address: complaints@transactpaymentsltd.com, web: www.transactpaymentsltd.com for further assistance.

If, having exhausted the above complaints process with Transact Payments, you remain unhappy you may complain to the Malta Financial Services Authority (Tel: +356 2144 1155) or the Office of the Arbiter for Financial Services (Tel: +356 8007 2366 or +356 2124 9245)

For further information including details of the MFSA and Arbiter’s complaint procedures, please visit their websites:

https://www.mfsa.mt/consumers/complaints
https://financialarbiter.org.mt/oafs/complaint


If your complaint relates to your SEFIDE account
(You can identify your account provider in your terms and conditions)

If you don’t agree with our response, your complaint relates to your SEFIDE account and you wish to take it further, in the first instance you should contact SEFIDE, Av. De la Ciencia 2-3, 1806 Granada, Spain by emailing atencionalcliente@sefide.com, web www.sefide.com for further assistance.

If having exhausted the SEFIDE complaints process, you remain unhappy, you may seek further assistance by contacting the Banco de Espana, Servicio de reclamaciones, Alcala 50, 28014 Madrid, by telephone +34 913 385 068, or by email (in Spanish) via the BdE website:

https://clientebancario.bde.es/pcb/en/menu-horizontal/podemosayudarte/consultasreclama/comorealizarrecl/

Bueno Europe Ltd

Blackthorn House, Suite 2A
St Pauls Square
Birmingham B3 1RL
United Kingdom