Banky team Reviewed editorial answerThe bank must provide you with a complaint reference number as soon as it's registered, or within a maximum of two business days.
If you contact customer service and don't receive a reference number, ask clearly: "Has this been officially registered as a complaint?
And what is its number?" Keep the reference number and the date of submission, as they are essential for follow-up, appeals, and any subsequent escalation to the central bank.
The figures, fees and limits in this answer vary by bank and change over time — confirm them with your bank or the official source before acting.