The modern banking system allows customers to independently make money transfers to other cardholders. To do this, you can use your personal account on the bank's website or a banking terminal. This service is only becoming more popular every year. Of course, there are also controversial situations. They are usually caused by the elementary carelessness of the users themselves.
Perhaps the most common problem in card-to-card transfers is entering erroneous information, which is why the money does not reach the recipient. Can they be returned, and where to go for help?
Transfer to another client's card
As soon as an error is found, contact the bank with a request for a refund. It happens that money from card to card goes up to 5 days. If you act quickly, you can be in time before your transfer is credited to the wrong account. Then the bank will return the money to you without involving third parties.
The situation is seriously complicated when the amount of money ends up on the card of another client. From this moment it becomes the property of the cardholder and cannot be returned without his consent. You need to find this person and ask him to return the money himself. Now in many banks the function of transferring to a card linked to a mobile phone number is available. If you have indicated the wrong number, then contact its owner, explain the situation and hope that you come across a decent person.
When you only have account details from the information about another user, you will have to go to court. The Bank has no right to disclose information about its clients. Moreover, there is a practice to indicate in contracts for the service of the card that its owner is obliged to independently return the money in the event of an erroneous transfer. According to your application, the bank can only transfer information about you to the second client, if he voluntarily wishes to return the money.
The transfer did not reach or there is no such card
The simplest situation is when the details you specified do not exist and are not tied to any card. Such a transfer will be kept by the beneficiary's bank in a separate account until all the circumstances are clarified. To speed up the return of funds, contact both banks with applications, attach copies of the transfer receipt to them and wait for a successful resolution of the situation.
This option is also possible, when the money did not reach, you are looking for your mistake, but the data turns out to be correct. In this case, the failure of the banking system is not excluded. At your request, the entire money transfer route will be checked again. If a technical error is found, the translation will be delivered to the recipient. In this case, it is important to have time to contact the bank no later than 60 days later, otherwise you will lose your money.
To avoid annoying mistakes and not to suffer with the return of money, carefully check all the data, numbers, their order. Take the extra five minutes to count the zeros that are so abundant in bank details. After all, it is much easier to prevent a problem than to deal with the consequences later.
