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Shopping · Czechia
Updated September 2026

🏚️ The webshop went bankrupt before delivering — do I get my money back?

Direct answer

From the shop itself, rarely — unsecured customers are last in line. From your payment method, often: a card payment can be charged back for "goods not received", PayPal and similar have buyer protection, and some bank transfers under a buyer-protection scheme are covered. Call Your bank — card and payment line first, within their deadline. File your claim with the administrator anyway — it is free and you might get a percentage. Česká obchodní inspekce (ČOI) (222 703 404) publishes what customers of a bankrupt shop should do; Okresní soud — platební rozkaz (justice.cz) is where the insolvency is registered and where the administrator's details are.

Call firstYour bank — card and payment line
Report toČeská obchodní inspekce (ČOI)
If that failsOkresní soud — platební rozkaz

🗣️ What to say

"I ordered [item] on [date], order [number], paid [amount] by [method] and never received it. The company is insolvent. I request a chargeback / buyer-protection refund for goods not received. Order confirmation and payment attached."

🪜 Step by step

  1. Payment method firstCard: chargeback within the scheme's deadline (often 120 days). PayPal / buyer protection: open a dispute. Transfer: ask the bank anyway.
  2. Find the administratorThe insolvency register at Okresní soud — platební rozkaz lists the case and the administrator; file your claim with the order and payment proof.
  3. Did it ship?Check tracking — parcels already handed to the carrier sometimes still arrive; ask the carrier to deliver, not return.
  4. Gift cards and credit notesUsually worthless after bankruptcy; file them as claims too.
  5. Warranty on things you did receiveLost with the shop, but the manufacturer's guarantee survives. Contact the brand directly.

📇 All contacts

Your bank — card and payment lineRecall a transfer, chargeback, block a card, freeze the accountImmediately, 24/7 — the number is on the back of your card
Česká obchodní inspekce (ČOI)Advice, inspections, fines for tradersWhen the shop refuses📞 222 703 404🔗 www.coi.cz/pro-spotrebitele
Okresní soud — platební rozkazElectronic payment order without a lawyerLast step, with a clear claim🔗 www.justice.cz
Evropské spotřebitelské centrum ČRFree help with sellers in other EU countriesSeller in another EU country, Norway or Iceland🔗 evropskyspotrebitel.cz

❓ Frequently asked

How long does the insolvency take?

Years, and consumers typically get a few percent if anything. Treat the administrator claim as a lottery ticket, the chargeback as the real route.

I paid by bank transfer

Ask the bank: some countries and payment apps have transfer buyer protection. Otherwise it is the administrator only.

The shop still takes orders

Some continue trading under the administrator. Only pay by a method you can charge back.

📎 Sources

Last checked: 2026-09-26

🔎 Common searches

Recognise your own search? The answer above covers all of these.

  • “webshop bankrupt money back Czechia”
  • “chargeback goods not received bankruptcy”
  • “file claim insolvency administrator consumer”
  • “online shop insolvent order not delivered”
  • “buyer protection bank transfer”

🧭 Is this still correct?

We check this information carefully, but phone numbers, websites and rules change — and sometimes we get something wrong. Spotted a mistake or a change? Let us know below.

🔗 Related questions

📦Faulty goods, no refund→🚚Parcel not delivered→📶Phone or internet contract→🏨Hotel complaint→

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