APCO

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APCO is an independent Australian chain of petrol and service stations offering fuel, convenience retail, fresh café food and barista coffee, operating more than 25 locations primarily across Victoria and regional areas.

North Geelong, Victoria, Australia
apco.com.au

About APCO

APCO is an independent, family-owned Australian chain of petrol and service stations headquartered in North Geelong, Victoria. Operating more than 25 locations, APCO serves primarily Victoria and regional areas with unleaded and diesel fuels, premium fuel options, convenience-store groceries, automotive essentials, and on-the-go essentials. Many APCO sites feature APCO Café 24/7 or in-store café offerings, including fresh hot food, sandwiches, baked goods, and barista-made coffee for travellers and local customers. For store locations, opening hours, and current offers, customers can visit their official website at apco.com.au.

An APCO charge on your bank or credit card statement usually relates to a purchase made at one of their service stations or cafés. This can include fuel purchases, in-store items, barista coffee, hot food, car wash services, or other convenience products. If you paid at the pump or used pay-at-pump facilities, you may see a separate temporary pre-authorisation hold (often higher than the final fuel amount) that later adjusts to the exact purchase total. Charges may also appear slightly delayed if your bank processes EFTPOS or contactless payments in batches or if you’ve used a digital wallet (e.g., Apple Pay or Google Pay).

To verify an APCO charge, start by matching the transaction date and amount with your fuel or in-store receipts, or check any digital receipts from your wallet app or banking app. The merchant description on your statement may show as “APCO”, “APCO SERVICE STATION”, or similar, sometimes followed by the suburb of the site. If you have questions or believe a charge is incorrect, visit apco.com.au to locate the store you visited and call the site directly, or use the contact details on APCO’s website to reach their head office. For disputed transactions, your bank can also provide further details such as terminal location and time, and can help you raise a formal dispute if you suspect an error or unauthorised use of your card.

Bank Statement Variations

2 known variations

These are the raw merchant codes that appear on bank and credit card statements that we've identified as belonging to APCO.

  1. APCO ALFREDTON ALFREDTON AU
  2. APCO MILDURA MILDURA AU

Frequently Asked Questions

Why do I see a higher ‘APCO’ amount pending than the fuel I actually bought?

Many APCO sites and banks use a fuel pre-authorisation when you pay at the pump or use pay-at-pump facilities. Your bank may place a temporary hold for a set amount (for example, $80–$150) to verify funds before you start filling. Once you finish and the actual fuel cost is known, the final transaction replaces the hold, and the unused portion is released—usually within a few business days, depending on your bank’s processing times.

Why is my APCO transaction date different from the day I bought fuel?

Some banks and card providers process EFTPOS and contactless payments in batches, so the ‘posting’ date can be one or two days after you visited APCO. If you used a credit card, the ‘transaction date’ and ‘posting date’ may differ even though there was only one purchase. Check the nearby days on your receipts and statement—an APCO charge often corresponds to a purchase made within the last 1–3 days.

Does APCO offer any subscriptions or recurring charges?

APCO service stations generally operate on a pay-per-purchase basis for fuel, café, and convenience items and do not typically run subscription or membership billing directly on your card. If you see repeating APCO charges, they are usually from multiple individual visits (for example, regular weekly fuel fills or morning coffee stops). Review your past visits and receipts to confirm whether the pattern matches your usual travel or commuting routine.

How can I get a copy of my APCO receipt or tax invoice for a charge?

If you need a receipt or tax invoice, first note the exact amount, date, and time of the APCO transaction from your bank statement. Then contact the specific APCO store you visited—store phone numbers can be found via the location finder at apco.com.au—and provide these details so they can look up the transaction and reissue a receipt where possible. For business fuel claims, it’s helpful to also share the last four digits of the card used and the pump number or approximate visit time.

How do I dispute an APCO charge I don’t recognise or believe is incorrect?

Start by confirming that no family member or authorised driver used your card at an APCO station around that date. If it still looks unfamiliar or the amount appears wrong, contact the APCO site listed on your statement (or use the contact form or head office details at apco.com.au) with the date, time, and amount so they can check their transaction logs and CCTV where appropriate. If you suspect fraud or can’t resolve the issue with APCO directly, notify your bank or card issuer immediately—they can block your card if necessary and help you lodge a formal transaction dispute or chargeback.

Why do I see multiple small APCO charges on the same day?

Multiple APCO charges on the same day can occur if you made separate transactions—for example, buying fuel and then paying for food and coffee in a separate purchase, or revisiting the store later in the day. In some cases, a temporary pre-authorisation hold and the final fuel amount can briefly appear as two separate entries until the hold is released. Review the exact amounts: the final fuel charge usually matches your bowser or receipt total, while a hold may be a rounded or standard amount that disappears after processing.

How can I contact APCO about a charge on my statement?

Go to apco.com.au and use the store locator to identify the site nearest to where you were travelling on the transaction date, then call the site directly for the fastest clarification. If you’re unsure which store it was, you can use details from your statement (such as suburb or terminal ID) or contact APCO via the general enquiry or head office contact options listed on their website. Having your transaction amount, date, approximate time, and last four digits of your card ready will help them locate the payment.

Can I get a refund or adjustment for an APCO fuel or in-store purchase?

Refunds or adjustments are handled directly by the APCO site where the purchase was made and are usually considered when there is a clear error such as an overcharge, duplicate transaction, or incorrect product. Visit or call the store with your receipt and transaction details; in many cases, the refund must be processed back to the same card you originally used. If you can’t return to the store, contact them by phone to discuss options—policies may vary slightly by location, but all sites must comply with Australian consumer law on faulty products and incorrect charges.

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