Today I will tell you how to return an erroneous payment... Sometimes a situation may arise when money is accidentally sent to the wrong place. Most often this happens when using various Internet banking systems, mobile payments, transferring funds through payment terminals, electronic money, etc. The person first clicks the “send” button, and then he sees that he has chosen the wrong counterparty, entered the wrong account, wrong phone number, wrong amount, or something else.

From today's publication, you will learn how to return an erroneous payment at a bank, terminal, when replenishing a mobile phone or transferring money to electronic wallets. Everything in order.

How to return an erroneously transferred payment at the bank?

Here, first of all, you need to remember the following: you need to act as quickly as possible. The sooner you realize it, the more likely you will be to get the wrong payment back with the least amount of trouble.

The point is that bank payments are sent in so-called “packages”, that is, in groups. As soon as a certain payment package is formed, the total amount is debited from the bank's correspondent account and the payments are withdrawn. The period for generating payment packages in each bank is different, as a rule, it is from 15 minutes to an hour for client accounts.

If it was a payment from a current / card account, then you need to immediately, immediately after the payment has been sent, contact your operator (in person, if you are at the bank, by phone or by calling the hotline) and ask to cancel it - perhaps you will have time to do this before the payment will leave the bank. Then you will need to issue an appropriate application.

If it was a payment without opening an account (you paid something through the cashier), then he can stay in the bank much longer. Some banks may send these payments at the same time at the end of the day or even the next day. In this case, it will be easier to return the erroneously transferred payment: first, you need to ask the cashier / teller to cancel the payment (if possible), and then fill out an appropriate application, which the bank will put in its documents as an argument for canceling the operation.

If the payment has already gone, that is, you are late, then there are two options for the development of events.

1. If there were mistakes in payment details (Account number, beneficiary code, BIK (MFO) of the bank, etc.), then the payment will be returned in a few days (usually up to three days) with a request to clarify the beneficiary's details. In this case, the bank must contact the sender (that is, with you), and find out the exact details. When the payment is returned, it can either be sent again using the correct details, or it will remain in your account or will be cashed out by you - it all depends on your decision.

By the way, in some cases, if there is an error in the payment details, the payment will not go away at all, since the banks' software automatically detects many errors even before the payment is sent.

2. If the payment was sent by mistake using the correct details, then it will go to the intended recipient of funds. In this case, you will no longer need to contact the bank (it will not help you in any way here), but directly to the recipient. Write him an official letter with a request to return the erroneously transferred payment, indicate in it the details for the return and duplicate your request by phone. Further, it all depends on how the recipient of funds behaves: if he refuses to return the money to you, you will have only one option - to sue your counterparty.

If it was a budget payment (payment of taxes, fees, fines, etc.) is the most difficult situation. It won't be so easy to get it back. In any case, write an official application to the receiving authority. In the application, ask for the payment to be credited to the desired account, or to accept it against future payments - this will most likely be easier to achieve than a refund.

If you repaid the loan by mistake - most likely, the money will not be returned to you, but it will be set off against future repayments.

How to return an erroneous payment to a mobile phone?

If you replenished your mobile phone account and mistakenly sent money to the wrong number, that is, you replenished someone else's phone - there is also an opportunity to return an erroneous payment, but not always.

As in the previous situation, you need to act as quickly as possible, until the number on which your money came to speaks out. In addition, mobile operators generally do not accept claims that are more than 2 weeks old.

To return an erroneous payment to the phone, you need to contact the office of your mobile operator and write there an application for transferring the payment to the desired number, to which you must attach a copy of the check or receipt of the account replenishment. Many operators have services for accepting such applications on their official websites - in this case, you will need to attach a scanned copy of the receipt.

If you lost your check - most likely, no one will return your money.

If you made a mistake in the phone number by more than 3 digits, then you are also unlikely to be refunded, since it will not look like an erroneous payment.

If you made a mistake in the operator code - an application for a refund must be written to the operator on whose phone you mistakenly put the money.

How to return an erroneous payment through the terminal?

If you mistakenly transferred money through a payment terminal, there are two options for further actions.

1. Contact the terminal support service. The check must contain contact information: at least - customer support phone number, and often - e-mail and even a website. Try to go to the website of the company that owns the terminal - many already have a special form there for contacting about mistakenly transferred money. If there is no such form - contact us by e-mail, by phone. If this does not help, send a written application to the legal address of the company (it must also be indicated on the check or the terminal itself), but in this case, of course, it will take a long time, and the erroneous payment may not be returned.

2. Contact the recipient of funds. If, for example, you paid for some service and entered your ID incorrectly, then it is easier to apply with a written statement to the recipient of funds, with a request to reset the payment as intended (the money will in any case go to this recipient). A copy of the terminal receipt must be attached to the application.

How to return an erroneous payment through electronic payment systems (webmoney, qiwi, paypall, etc.)?

If you mistakenly transferred to the wrong wallet number, you can also try to make a refund. Not every payment system has such an opportunity, but some have their own services dealing with such issues.

Therefore, first you need to find out if it is possible to return the payment in principle, by contacting, for example, by phone or e-mail of customer support, and if so, then find out what actions you need to take for this, and then follow the instructions received.

Now you know how to return an erroneous payment in different situations. Hope this information was helpful to you. In conclusion, I want to recommend not to refuse a refund due to unwillingness to make unnecessary gestures, but to do everything possible to return the wrongly transferred funds. I think that they were not superfluous for you.

The site was created in order to improve your financial literacy and teach you how to make the most of it. Stay with us, and you will learn how to competently manage your personal or family budget, learn new ways of earning and investing, and learn how to behave correctly with banks. Until next time on the site!

Almost every owner of a bank card makes a lot of payments and transfers using it, which require him to enter various information, for example, about the recipient's account number or the number of his mobile phone that you want to top up from the card. It may happen that you inadvertently enter the data of someone else's phone number or bank card, and therefore the money will go to the wrong address. That is why you should always double-check the entered data, because it is not always possible to return funds transferred to the wrong card number.

Wrong transfer of money to someone else's card

It is worth noting that each digit in a bank card number means something, that is, it is not just a set of numbers in random order, but we have already talked about this in our article "Credit card number - Visa, Mastercard, American Express", with which we also advise you to read.

There is, although not a big chance, that you can make a mistake when entering the card number, especially if you perform such an operation in a hurry or dozens of times a day. So, to everyone who accidentally transferred funds to someone else's bank card, we inform you that they are returned with great difficulty, since, according to Russian laws, this money will already be the property of the owner of someone else's card and can be returned only with his consent, that is, the bank itself it cannot do it.

When making an erroneous transfer of money, everything will look something like this: first, contact the bank and write a statement about the erroneous payment and do not forget to attach proof to it, for example, a check or consumable, as well as any other document that can confirm this operation.

Then the bank employees get in touch with the person to whom you mistakenly sent money to the account, and tries to negotiate with him about the return of money to you. If the bank succeeds, then it transfers the funds back to your account, and if not, by the way, this often happens, then the process becomes more difficult.

In general, this can be all, and it will end, since the bank has no right to tell you the contact details of its client, to whom you sent money by mistake. Therefore, you either forget about this unsuccessful transfer, or write a statement to the police, which can find out the necessary information about the holder of someone else's card and start an investigation into this case, followed by a court.

Therefore, you need to be very careful when entering the card number, because the process of receiving mistakenly transferred money is incredibly difficult and does not always end with success, and if the amount is insignificant, then not everyone will want to beat off the bank and police thresholds.

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The money went to the wrong account

The bank employee gave the wrong account number. The money went to another account.

☼ Hello, You must know your account number yourself, and here is a bank employee, write a question in more detail I wish you good luck and all the best!

Hello. This is the fault of the bank employee, contact the bank with a complaint and let them return the money. Good luck with your business and all the best.

The bank employee gave the wrong account number. The money went to another account. Submit a claim to the bank, the bank must return the money to your account.

I put the money to the priest and it went to the wrong account, how it can be returned. The Pristovs say they won't do it.

Hello Alexey. Write an application for the return of funds, addressed to the head of the department of bailiffs. If not returned, complain to the prosecutor's office.

I paid for my studies on the wrong account, the money left the bank, and they say that the account is closed, and the money could not enter.

Write a statement to the bank about the incorrectly paid amount (incorrect details)

Write a statement about the erroneous payment.

deal with the bank where the money went if the account is closed.

You need to decide with the bank first. Ask for clarification. If the account is really closed, money could not be credited to it.

Paid a utility bill at the UBRD bank. The money went to the wrong account. The bank refuses to return the money. How do I get my money back? How long does it take for the bank to return the money? What documents and statements are needed for this?

take a bank certificate about where the money was transferred and file a claim with the bank and the recipient, and then with bank.

Paid to savings banks 3 tr. On the wrong account, I came to the insurance company to whose account the money went and they send it back to the Savings Bank, and then they say we have nothing to do with go back to the insurance company, how can I get the money back?

Hello! In court, Article 1102 of the Civil Code of the Russian Federation

I paid the housing and communal services, entered the one inn, and the account was different, the money went away, it was not received on that account, and I was not returned to where I sent it --- it says the status is deleted.

Find out in the bank through which the payment went where the money went.

I sent money to the wrong account. How can I get it back. The account was opened and the money went to it. I was told through the court what my first steps should be.

You can first contact the organization that transferred the funds, take the confirmation of the transfer there, file a lawsuit against the account holder with a requirement to return the funds and

If they do not return it voluntarily - a claim to the court for the recovery of unjust enrichment at the location of the defendant

By mistake of the operator, the money was transferred to the wrong account. As a result, the money was already spent on the repaid loan, and on the existing loan I had a debt with a fine. Who is responsible for this? How to get money back for an overpaid loan? And who should pay me the fine?

Olga, what is the bank telling you now? You do not write whether the bank admits the mistake of its operator or not. In theory, an application for transfer from one account to another should have been drawn up. And again, in theory, a fine should not be imposed on you if the operator's actions were erroneous, but if there is your signature under the transfer to the canceled account and the transfer is made with your consent, then you are unlikely to refuse the fine.

Everyone could have a similar situation: it was necessary to transfer money to the account, transferred, but it turned out that they made a mistake in the number or entered the wrong account number into everything. Of course, this situation is very unpleasant, and I want to return the incorrectly transferred money back as soon as possible in order to transfer them to the correct account.

Many people try to directly contact the owners of accounts and cards to which money was accidentally sent. But in fact, sometimes banks provide a service for refunding funds from incorrectly specified accounts, even without notifying their owners.

We will tell you about how to return the money transferred by mistake in this article.

What to do if the money is transferred to the wrong account?

There are several options for how to act in this case, you can:

• Contact the bank that accepted the payment;
• Contact your bank;
• Contact the account holder directly.

Options for the development of events

The refund process depends on whether they were transferred to a real account or a non-existent one. In general, it is quite difficult to transfer money to an existing account of a real person. Since the last digits of the account number are a coded number, which just insures against 90% of cases of incorrect transfers. Therefore, most likely, the account to which you mistakenly transferred money does not exist and the funds will be returned quickly.

1. It may happen that you transfer money to a non-existent number, then they simply hang, since the owner does not exist, the bank employee will find your money and transfer it back to your account.
2. If the account is real, you do not know the recipient's data, then the bank cannot tell you the contacts to contact the cardholder, this will be considered the disclosure of personal data. The bank employee will send a request to the card or account holder for the return of incorrectly transferred funds. And only after the consent of the cardholder for the transfer, the money will be transferred back.
3. If the cardholder refuses to transfer, then it will be necessary to act with the involvement of the police. To do this, you will need to submit an application to the police, indicate that the funds were transferred incorrectly, provide the number of the incorrectly specified account and receipts, which can be taken from the bank if the transfer was carried out using the Internet.

   When the police officer begins to consider the case, a request will be sent to obtain information about the owner of the account to which the money was transferred by mistake, then a case of unjustified enrichment will be filed against him.

   
   The owner will be called to the police and familiarized with the case file. In case he still does not want to transfer the money back while the trial is taking place, the case will be referred to the court, which will oblige the cardholder to return the funds received.

If you decide to contact the owner of the wrong account, the phone number is known

The first question is how to contact the owner of this account. Sometimes it is very simple. If, for example, the transfer was carried out using the Sberbank Online service, and instead of the card number, you entered the number of the phone linked to it and made a mistake with the number.

Then you just need to call this phone number, and if it turns out that it exists, ask the cardholder to transfer the money back. By the way, this service is provided by the Sberbank service for free.

If you want to return money directly from the owner of the account to which the money was accidentally deposited, you will need to explain to him the reason why he is obliged to transfer the money back. As an argument, you must cite the relevant law of the Russian Federation.The law provides for the return of unjustifiably acquired funds by the person who received them; such a basis for a refund is quite suitable. Thus, if funds obtained illegally or erroneously, the money must be transferred in accordance with Article 1102 of the Civil Code of the Russian Federation “Obligation to return unjust enrichment”.

Output

Thus, problems with the return of incorrectly deposited money should not bring a lot of trouble:

• if the cardholder will meet you halfway and return the purchased money;
• if the given account number does not exist.

If the owner of the wrong account will prevent the return of money, you will have to contact the police.

If the pre-trial proceedings do not bring results, you will have to file a lawsuit. The court will definitely make a decision to return the funds back to your account. The only problem may be that the transferred money may already be spent by the recipient. Then the process of collection and refund will be taken up by

If the payment has not yet gone beyond the bank, such an operation can be carried out. Immediately after expressing your desire, you must write a statement. The payment was made without opening an account. If the payment was made using the cashier, it may be in the bank for several hours. Some banking networks send these types of payments at the end of the working day, so it is much easier to return funds mistakenly sent to the wrong place. You need to contact the cashier who performed the operation so that he can cancel it if possible. After that, you must draw up a written statement about your desire to stop the transfer of funds as an argument for its cancellation.

Is it possible to return a payment mistakenly transferred to the wrong account?

If the erroneous payment was made according to the existing details and was successfully processed, you can contact the recipient of the transfer directly with a request to return the money to you. Of course, in this case, it all depends on the counterparty and his conscience.
Advertising Transfer to a mobile phoneIf an error when entering a card number is quite a rare occurrence, then erroneous replenishment of someone else's mobile phone is quite common. First of all, knowing the number to which you transferred the funds, you can call and ask to return them to you.
If a person “goes into deaf unconsciousness,” you can threaten with a court in accordance with the Civil Code. The chances that the recipient will change his mind and return to the right path are quite high.
You can also contact the support service of the mobile operator and ask for a refund of the mistakenly transferred money.

Is it possible to return money credited to someone else's account?

What to do in such a situation? Immediately, we note that it is far from always possible to return money, because you transferred it yourself. First of all, you should contact the bank's support service with a request to cancel the transfer or freeze it.

Attention

Many banks, especially during peak loads, do not process payments immediately, but after a while, so there is a chance that the transaction has not yet been processed and this operation can be canceled. Erroneous payment through a terminal or cashier. If you made a payment through a cashier or bank terminal, then the processing time can be much longer.

Often, these payments can be processed in a lump sum at the end of the day or the next day. In this case, it is easier to return the money.

What if I transferred money to the wrong account?

In addition, there are a number of factors that will not allow you to receive your money or make this procedure almost impracticable:

• loss of a check or receipt;
• an error in the phone number by more than three digits;
• error in the operator code.

In order for the money to be returned, you need to contact the office of the mobile operator with a corresponding statement. In the application, you must indicate that you want to transfer funds to your number.

It is imperative to attach a check or a receipt on the replenishment of the wrong account to the application. If you made a mistake in the code, and not in the number itself, then the application should be addressed to the operator to whose number the funds were received.

What to do if money went to the wrong account

Instruction 1 You need to contact the bank as soon as possible. The sooner an error is discovered, the more likely it is that the problem will be successfully resolved.

Not all operations related to money transfer are carried out instantly, sometimes it takes several hours. If during this time you manage to report the mistake, the bank will return the money.

Perhaps he will not return immediately, but will postpone the operation, but you will be asked to come with the documents to the office and write a statement about the return of accidentally transferred funds. Perhaps your mistake will cost you a commission that the bank will take for additional work, but the bulk of the money will be returned. 2 If the money has gone to the wrong account and has already been transferred to its owner, the situation becomes somewhat more complicated. According to the law, the bank in this case no longer has the right to withdraw funds from his account without the consent of this person.

Therefore, we will have to negotiate with him.

How to get the money transferred by mistake?

Electronic money transfers have become a constant practice of modern people, as they are quite convenient and significantly save time. Many people use Internet banking and mobile payment systems.

The operation process can be carried out both from a payment terminal and from a PC. Situations of sending money to the wrong account happen quite often and everywhere.

Often this happens due to the carelessness of the senders themselves. But there are times when the system itself fails. After making the payment, the sender realizes that he entered the wrong amount of money, wrong number or code.

But how to get the money back and can it be done at all? What if I transferred money to the wrong account? If, after all, an incident such as transferring money to the wrong account happened to you, you should not immediately panic.

Is it possible to get the money back if transferred to the wrong account by Sberbank

You will not have information about which bank and to whom exactly the funds went, and the bank will not provide you with such information, since in Part 2 of Article 857 (Banking Secrecy) of the Civil Code of the Russian Federation (Civil Code of the Russian Federation) of 01.26.1996 N 14- The Federal Law stipulates the following: The bank guarantees the secrecy of the bank account and bank deposit, account transactions and customer information. Information constituting banking secrecy can be provided only to the clients themselves or their representatives, as well as submitted to the credit bureau on the grounds and in the manner prescribed by law.

Important

State bodies and their officials may be provided with such information only in the cases and in the manner prescribed by law. To whom, then, can the bank provide this information? Only to the court! This is already stated in Article 26 of the Federal Law "On Banks and Banking Activities" dated 02.12.1990 N 395-1.

Life hack: what to do if money is transferred to the wrong account

First of all, you need to contact the cashier or terminal owner with a request to cancel the payment or write a special statement that will be the basis for canceling the operation. If the payment has already been processed, then there are several options for further development of events: If there was an error in the payment details (account number, recipient code, MFO bank, etc.), then such a payment in a few days (usually from one to three ) will be returned with a request to check the details of the transfer recipient. In this case, the bank should contact you and clarify the data. By the way, very often, if there is an error in the recipient's details, such transactions remain unprocessed, since the bank's software automatically detects most of the errors even before the payment is sent.

Transferred money to the wrong place, how to return and what to do?

• using the bank's website.

In three cases, the client needs to have confirmation of the completed banking procedure so that Sberbank employees can verify the reality of the transferred funds. For reliability, he can show the employee a receipt for the transfer.

In this way, it will be possible to promptly recall the payment for the erroneously listed account number, even if they have been withdrawn. How to return money to a Sberbank card The payment was sent from the bank If you are still late with the cancellation of an erroneously made payment, and it has already left the bank, then there are two options for solving this problem:

• when an error was made in filling in the details:
• when the filled in details turned out to be correct.

In the first case, if the details contradict each other, the bank will often contact you within one to three days in order to clarify them.

How to get money back in case of an erroneous payment at Sberbank

How to get money back sent to scammers? The question of how to get the money back if you put it on the wrong number through Sberbank online is unpleasant, but does not raise difficult questions, unlike the situation with money theft by fraudsters. It is much more complex and requires correct behavior, in which case it is worth using the following algorithm of actions:

• the first step is to call the contact center and try to recall the operation, if possible;
• then you need to contact the police;
• the third step will be a visit to the bank.

It is worth remembering that a statement filed with the police significantly increases the chances of a refund.

How to return an erroneous payment to the Savings Bank? This is a way to independently control the process and deal with all the nuances on the spot. For example, you find that your card has been charged for a bank transaction that you did not perform.

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