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eBay Money Back Guarantee
On eBay UK, the Money Back Guarantee covers items paid for through eBay checkout that do not arrive, arrive faulty or damaged, or do not match the listing. Report a missing item within 30 days of the estimated delivery date, or request a return within 30 days of delivery. The seller has 3 business days to respond, then you can ask eBay to step in.
At a Glance
Your Rights
What the rules say, with a link to the official source for each.
The eBay Money Back Guarantee
eBay
On eBay UK, the Money Back Guarantee covers items paid for through eBay checkout that don't arrive, arrive faulty or damaged, or don't match the listing. Report a missing item within 30 days of the estimated delivery date, or request a return for 'not as described' within 30 days of delivery, or longer if the seller's return window is longer. source
Responding and Appeals
On eBay, the seller has 3 business days to respond, then you can ask eBay to step in. You can appeal an eBay decision within 30 calendar days. Payments made outside eBay, such as by bank transfer, are not covered, and motor vehicles, services, digital content, and travel tickets and vouchers are excluded. source
Who You Are Buying From
Trader or Private Seller
Your rights depend on whether the seller is a trader or a private individual, not on the website. Traders must make clear that they are businesses. source
Buying from a Business
Buying from a business: goods must be of satisfactory quality, as described (including in the listing and marketing material) and fit for purpose. This applies to used goods as well as new, and you can seek a refund, repair or replacement. source
Buying from a Private Seller
Buying from a private seller: only the 'as described' requirement applies. Unless the description was misleading, you generally cannot demand a refund because you are unhappy with the purchase or it has a problem. source
Getting Your Money Back
Paying by Card or PayPal
Paying by card or PayPal gives you a better chance of recovering money, especially with overseas sellers. Citizens Advice advises avoiding bank transfers. source
Time Limits to Know
Miss a deadline and you can lose a right. Check the dates on your own paperwork.
- 30 dayseBay: item not receivedReport within 30 days of the estimated delivery date
- 30 dayseBay: not as describedRequest a return within 30 days of delivery, or the seller's longer return window
- 14 daysOnline cooling-off period when buying from a business seller14 days (does not apply to private sellers)
Steps to Take
Step 1 of 5
Message the seller through eBay and explain the problem.
Step 2 of 5
If the seller does not respond within 3 business days or does not fix it, ask eBay to step in from the Purchases section of your account.
Step 3 of 5
Keep screenshots of the listing, your messages and any tracking.
Step 4 of 5
If you disagree with eBay’s decision, appeal within 30 calendar days with new information.
Step 5 of 5
If you paid by card or PayPal and it is still not sorted, ask your card provider or PayPal for help.
(Tap the numbers to reveal steps)
Where to Go If It Is Not Put Right
Your options, in order, and when each one applies.
The Seller, Through the Marketplace
Always start here, in writing, with a deadline.
The Marketplace's Buyer Protection (for Example eBay Money Back Guarantee)
If the seller will not help and you paid through the site's own checkout. Check the site's time limits.
Your Card Provider or PayPal
If you paid by card or PayPal and the seller will not put it right.
Trading Standards, Through the Citizens Advice Consumer Service
To report a seller or marketplace, or if you are not sure of your rights.
Good to Know
Small things that make your complaint stronger.
Payments made outside eBay, such as bank transfer, are not covered. Motor vehicles, services, digital content, and travel tickets and vouchers are excluded.
Want Help?
If you would like one of our team to look at your problem, our initial case review is free. We cannot guarantee any outcome and we do not give legal advice.

Lead reviewer
Luke Marley
Founder and Lead Reviewer
Luke founded CPUK in 2026 after seeing how hard it is for ordinary people to get problems with companies put right. He oversees our guides and checks them against official sources.
Research by Katie Burt, Co-founder and Operations Lead (17 years in the care sector, including managing services for vulnerable adults), and the CPUK Research Team. Researched with AI-assisted research tools, then checked and corrected by our team.
Last checked: 12 October 2026. We are not paid by the companies we write about. Adverts never affect our guidance. Read our editorial policy.
Sources and official links
- ebay.co.uk/help/policies/ebay-money-back-guarantee-policy/ebay-money-back-guarantee-policy?id=4210 Checked 12 October 2026
- saga.co.uk/magazine/money/spending/consumer-rights/what-are-your-rights-when-buying-second-hand-goods Checked 12 October 2026
- citizensadvice.org.uk/about-us/media-centre/press-releases/citizens-advice-warns-buyers-need-to-beware-as-thousands-of-people-report-being-ripped-off-on-online-marketplaces Checked 12 October 2026