The bank account number is a rather complicated combination of numbers. Sometimes errors occur when transferring money - they can be associated with accidentally mixed numbers or with the fact that the sender took the wrong number from the base. In any case, the money that went to the wrong place must be returned.
Instructions
Step 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 money transfer operations 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 an application for the return of accidentally transferred funds. Perhaps your mistake will cost you a commission, which the bank will take for additional work, but the bulk of the money will be returned.
Step 2
If the money has gone to the wrong account and has already been transferred to its owner, the situation is somewhat 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. If you know this person, try to explain the situation to him yourself and, perhaps, he will agree to return the money to you without any problems. If you simply made a mistake in the numbers and do not know who owns the account, the bank will not provide you with his personal data, but will try to contact this person and negotiate with him.
Step 3
If the owner of the account to which the money was spent does not agree to return it to any one, there is only one thing left - to sue him. If the amount is small and not critical for the sender, it may be easier to forgive and forget, since litigation takes time and money, and it is not a fact that you will win the process.
Step 4
It is also possible that the money goes to the wrong account, not through your fault, but by mistake of the bank operator. In this case, you need to contact the bank with a statement that you indicated everything correctly, but the recipient did not receive the money on time. Having received such a statement, the bank must conduct a check and, based on its results, return the money to you without deducting any commission.
