Exness Bank card refund (ARN/RRN)
You requested a refund from Exness to your bank card, but several days have passed and no funds have arrived? Support says the transaction is completed, but your bank claims nothing has been received? Many traders find themselves in this situation. This is where special tracking codes — ARN and RRN — come into play.
What Are ARN and RRN?
ARN (Acquirer Reference Number) — a unique 23-digit code assigned to a transaction by the Visa or Mastercard network once it has been processed. This code allows banks to trace the refund path from the broker to the client’s card.
RRN (Retrieval Reference Number) — a 12-digit internal code used by banks to identify and search for transactions. It may be provided by Exness, especially if ARN is unavailable.
These codes help banks locate “lost” refunds and confirm the technical status of a transaction.
RRN (Retrieval Reference Number) — a 12-digit internal code used by banks to identify and search for transactions. It may be provided by Exness, especially if ARN is unavailable.
These codes help banks locate “lost” refunds and confirm the technical status of a transaction.
When Are ARN or RRN Needed?
You don’t need to request these codes immediately after initiating a refund.
They’re only relevant if:
Important: ARN and RRN are not issued automatically. They are generated by the payment system and provided to Exness only after the transaction is fully processed on their end.
They’re only relevant if:
- The refund is marked as Completed in your Exness account;
- More than 10 business days have passed;
- The funds have not appeared in your bank account and the bank cannot trace the transaction.
Important: ARN and RRN are not issued automatically. They are generated by the payment system and provided to Exness only after the transaction is fully processed on their end.
How to Request ARN or RRN from Exness
If more than 10 business days have passed:
- Confirm the status of the transaction is Completed in your Exness account.
- Prepare the details: account number, refund amount, and transaction date.
- Contact Exness support via live chat or email.
- Ask for the ARN or RRN code for the specific transaction.
- Provide this code to your bank to help them trace the refund
The more precise your request, the faster the support team can assist you.
Why Refunds May Be Delayed
A refund goes through several technical layers: from the broker to the payment system, then through one or more intermediary banks, and finally to your card-issuing bank. It may be delayed due to:
- Public holidays or non-business days;
- Requests made on weekends;
- Delays or manual reviews in the Visa/Mastercard network;
- Verification checks by payment gateways;
- Card data mismatches (e.g., expired or blocked card);
- Using a different card for withdrawal than the one used for deposit.
Refund Status vs Action Required
Practical Tips for Avoiding Issues
- Always use the same card for deposits and withdrawals (due to AML and KYC policies).
- Avoid refund requests on weekends or holidays.
- Save screenshots of withdrawal requests and transaction IDs.
- Ensure your card is active and valid at the time of refund.
- Request ARN/RRN only when necessary — processing these requests takes time and may burden support teams.
Conclusion
A refund from Exness to your bank card involves multiple parties. If something goes wrong, ARN or RRN codes can speed up the resolution process and eliminate guesswork. These codes won’t solve the issue alone, but they provide the exact reference banks need to track your funds.
If you're experiencing delays, stay calm and follow the proper steps. In most cases, the issue is resolved within a few business days once you present the ARN to your bank.
If you're experiencing delays, stay calm and follow the proper steps. In most cases, the issue is resolved within a few business days once you present the ARN to your bank.
FAQ
How long does a refund from Exness to a card take?
Usually between 3 and 10 business days. For international transactions, it may take up to 15 business days.
What is an ARN number and when do I need it?
ARN stands for Acquirer Reference Number. You’ll need it if your refund is delayed and your bank cannot locate the transaction.
Can I request an RRN instead of ARN?
Yes, depending on the system, Exness may provide an RRN (Retrieval Reference Number), which also helps track your refund internally.
How to track RRN number for refund?
The RRN (Retrieval Reference Number) is used by banks to identify specific transactions. If you experience delays, you can request the RRN from Exness support. Once received, provide it to your bank so they can search for the transaction in their internal system.
Will Exness issue a second refund if the first is delayed?
No, once a refund is completed, Exness does not issue a second refund. You’ll need to use the ARN/RRN to trace the original transaction.