I would like to reverse a recent Microsoft transaction from my bank account

Investigate the $129.95 charge in your Microsoft account first; if it is a Microsoft 365 renewal billed on November 7, cancel that subscription to have Microsoft automatically determine whether the payment can be refunded.

1. Identify the withdrawal

1. Open Manage your payments and sign in with the Microsoft account that may have been used for the purchase.
2. Find the $129.95 transaction and select Investigate. Microsoft lists possible explanations such as recurring billing, a family member’s purchase, a previously declined payment being retried, or an in-app purchase.^1^
3. Also check Payment & billing → Order history, set the date range to November 2026, and look for a Completed or Redeemed transaction dated November 7. If you use multiple Microsoft accounts, repeat this with each account.^2^

2. Cancel and request the refund

If the transaction is a Microsoft 365 subscription purchased directly from Microsoft:

1. Open Services & subscriptions using the same Microsoft account that made the purchase.
2. Locate Microsoft 365 and select Manage.
3. Select Cancel or Upgrade or Cancel.
4. Complete every cancellation prompt. The cancellation process will display whether the subscription qualifies for a refund and provide the applicable next steps.[^3^](https://support.microsoft.com/accounts-billing/subscriptions/[Subscription ID] "Microsoft subscription refund policy | Microsoft Support")

Microsoft states that the most recent recurring subscription charge is refundable when cancellation occurs within 30 days after payment, limited to one refund per Microsoft account and subscription product. Because the stated payment date was November 7, 2026, act promptly while it remains within that period.[^3^](https://support.microsoft.com/accounts-billing/subscriptions/[Subscription ID] "Microsoft subscription refund policy | Microsoft Support")

If Turn on recurring billing appears instead of Cancel, the subscription is already scheduled to expire and will not renew again. Refund eligibility still may require assistance from Microsoft Support.[^4^](https://support.microsoft.com/accounts-billing/subscriptions/[Subscription ID] "Microsoft 365")

If the subscription was bought through Apple, Google Play, Amazon, or another retailer, request cancellation and a refund from that provider; Microsoft cannot refund or modify third-party billing.[^5^](https://support.microsoft.com/accounts-billing/subscriptions/[Subscription ID] "Where can I manage my Microsoft 365 subscription? | Microsoft Support")

If the charge cannot be found or recognized

• Contact Microsoft Support, enter billing charge or refund, select Get Help, and then choose Contact Support. Provide the amount, date, bank-statement description, and transaction reference—but do not post banking details publicly.^1^
• If no Microsoft account shows the transaction and the payment was unauthorized, contact the bank immediately. Ask it to secure or replace the compromised payment method and investigate the charge. Merely disputing this one withdrawal may not prevent further fraudulent transactions.^1^

References

1. How to investigate a billing charge from Microsoft | Microsoft Support
2. View your Microsoft Store order history | Microsoft Support
3. [Microsoft subscription refund policy | Microsoft Support](https://support.microsoft.com/accounts-billing/subscriptions/[Subscription ID])
4. [Microsoft 365](https://support.microsoft.com/accounts-billing/subscriptions/[Subscription ID])
5. [Where can I manage my Microsoft 365 subscription? | Microsoft Support](https://support.microsoft.com/accounts-billing/subscriptions/[Subscription ID])