Accidentally transferred money to the wrong Sberbank card - what should I do? What to do if you transferred money to the wrong card in Sberbank? Ways to solve the problem Transferred to the wrong Sberbank card.

Short answer: Ask politely but firmly.

Long answer.

As users of the Bankov.ru forum say, they periodically send money to accounts other than the ones they intended to. Someone presses the wrong “button” on the ATM screen and transfers funds to an organization with a similar name, someone does the same in Internet banking. We are talking about “template” payments, the details for which are not entered manually, but for the convenience of users are already included in the ATM or Internet banking system in advance.

From the bank's point of view, such payments are not erroneous. The client logged into the system (by entering a username and password or PIN at an ATM), voluntarily selected a specific organization from the list, entered the required password for payment and agreed to transfer money. The bank does not know whether the client has an agreement with this organization, whether he should pay it something or not. His job is to transfer the client’s funds to the recipient as quickly and accurately as possible. Therefore, the client cannot demand that the bank return the erroneously transferred money.

But the client can ask the bank to help in this matter. At a minimum, the client will receive a paper confirmation of payment from the bank in order to have solid proof of his innocence during further proceedings. In addition, the client can politely but persistently ask the bank employee to contact the “erroneous” recipient of the money and explain the situation. In principle, the employee is not obliged to do this, but if the bank is customer-oriented or a particular client is particularly useful for the bank in some way, then such a call is possible.

Next, you need to find the phone number of the organization that received the money by mistake (preferably the accounting department or the reception director) and call there outlining the situation. They will not return the funds upon calling, but they will certainly explain what exactly needs to be done to receive them. At least they will tell you the name and position of the person in whose name you will have to write a return application.

The victim writes a free-form statement outlining the situation and offers to return the erroneously paid funds. Naturally, you must attach a certificate from the bank confirming the payment. Documents are sent to the organization’s address by registered mail or transferred to the bank so that it forwards them through its own channels. This is the second point in which the bank can help if it wants. But a registered letter is also suitable.

An organization that unexpectedly receives “extra” money must carry out a reverse operation and return it to the affected person’s account, most likely minus shipping costs. Theoretically, if the organization employs not very honest people, they may try not to return the money. But on the other hand, this is also a problem for them, or rather, two at once. Firstly, money that appears “out of nowhere” (without an agreement, without the sale of goods or the provision of services) will be difficult to “hide” in the accounting statements. Secondly, a person who has lost money has every reason to file a claim in court for unjust enrichment at his expense. If there is confirmation of payment and there is no agreement with this organization, the probability of the bank client winning such a case is close to 100%. Therefore, if an organization delays the return or clearly refuses to do so, it is necessary to explain to its representatives the sad consequences of such behavior for them. The same applies to individuals - the procedure in this case is the same.

I repeat once again: when making payments, the bank acts only as an intermediary between the sender and the recipient of the money. It’s unlikely that anyone would like it if the bank required written confirmation of the existence of a client agreement with the recipient and the correctness of sending exactly that amount - this would complicate, slow down and increase the cost of transfers (which, by the way, is what happens in reality with “currency control”). Therefore, the bank’s assistance to the client in returning erroneously, but completely legally, transferred funds is a voluntary matter. And this assistance can only consist of issuing documents confirming the fact of payment and a “psychological” impact on the recipient (as well as transferring documents through one’s own channels, if required and possible). In general, a mistaken client must rely on himself and, as a last resort, on the court.

PS If you have questions about personal finance, investing and banking, ask in the comments. I will try to answer them as detailed and clear as possible.

Non-cash payments simplify a person’s life, but sometimes it happens that money is sent to another recipient. This happens accidentally, due to inattention. What to do if the details are entered incorrectly, but the transaction has already been confirmed?

Features of payment errors

Erroneous payments occur when purchasing online or when making non-cash transfers from a card or account. People can make mistakes for the following reasons:

was distracted or accidentally made a mistake when dialing the recipient's current or card account number;
dealt with incorrect data in advance (the seller from the online store provided incorrect details, such phenomena are usually regarded as fraud);
technical failures in the system - it’s hard to believe, but in banking practice there have often been cases when transfers did not reach the recipients through no fault of the sender. Technical work could have affected the processing of the transaction, causing the money to be mistakenly credited to a completely different account.

No one is immune from errors when making non-cash transfers, so a fairly common question among cardholders is whether it is possible to cancel the transfer of money from card to card in Sberbank? Yes, it is possible, but this operation has its own peculiarities and nuances. First of all, the banking organization must admit the error of the transaction, then the client can count on a refund.

Is it possible to cancel a transaction?

Sberbank strives to provide clients with more freedom in managing their accounts. Knowing about this company policy, many cardholders are wondering if it is possible to cancel a transfer to Sberbank online? Clients who have activated the Internet banking option for free automatically receive the right to manage their own assets online through their personal account.

When using Sberbank online services, the likelihood of making a mistake is almost minimal. The translation is automatically checked by the system for the correctness of the entered data at the execution stage. Also, Sberbank knows the details of many legal entities and counterparties in whose favor write-offs most often occur.

The client has the right to cancel the payment until he has confirmed the transaction by entering a one-time password in the appropriate verification line. If the action has already been completed, recall back those payments that are in the “executed by the bank” status. The status of the last transfer is indicated under the name in the payment history. To cancel a money transfer, just click on the appropriate button, and the request will be sent to the bank.

The client can cancel those payments that are not processed instantly. As for transfers between card accounts, it is impossible to cancel them yourself, since the money is credited within a few seconds.

You can cancel a money transfer by calling the bank's call center. Let's take a closer look at how to do this.

Does Sberbank return money?

Sberbank must return the money in cases where there are grounds to recognize that the payment was erroneous. Such reasons may be:

unintentional mistakes, incorrectly specified details;
errors in the system;
fraudulent activities, illegal write-offs by third parties.

The bank declines responsibility and refuses to return funds in the following cases:

the transferred money is a deposit for any purchase and sale transaction that did not take place;
the user voluntarily made transfers in favor of third parties who turned out to be scammers and extortionists;
when repaying loans and transfers between cards.

Thus, money written off from the card cannot be returned in all situations. However, if there is a basis confirming the error of the transaction, you can withdraw the finances back.

Ways to get your money back

“I transferred money to someone else’s Sberbank card, how do I get the money back?” - a regular problem that can be solved quite easily. Owners of Sberbank cards can return money in three ways:

via Internet banking;
by calling the call center;
by visiting a bank branch yourself.

What should I do if I transferred money to the wrong card? How to make a refund in the Sberbank-online system? Step by step instructions below:

Log in to the portal by entering your credentials;
Check the status of the transaction in which the error occurred. If it is marked “Executing”, then the funds have not been debited from the account.
Click “Cancel”, confirm your actions by clicking on the “Confirm review” button.
Go to your payment history to verify that the payment was indeed charged.

This method is relevant if not much time has passed since the transaction. If the money has already been credited to the specified recipient’s account, in order to return it, you must personally contact the Sberbank branch to draw up an application.

Step-by-step instructions on how to return transferred money by phone:

Dial the hotline number – 8-800-555-55-50.
Wait to connect with a specialist.
Explain the problem, request a return of the transferred funds.
Answer security questions from the operator, discuss all the details of the transfer. The only caveat is that under no circumstances do you give out your PIN.

If you quickly and promptly take the necessary actions, the money will not be debited from your account, since the operator will have to block the transaction and cancel the transfer on the same day.

When contacting a bank branch to solve the problem of money being written off by mistake, there are 2 possible scenarios:

If the user has provided incorrect details that do not exist in the system, and his payment is frozen or frozen in the reserve, then it is enough to submit a statement to the management of the organization about cancellation. The period for consideration of such applications is 30 calendar days.
If incorrectly specified details are in the system and belong to some client, then the procedure for returning funds becomes more complicated. Such issues are resolved in accordance with the accepted judicial procedure.

Experience shows that it is much easier to prevent any error than to correct it. To avoid ending up in an unpleasant situation, follow these simple rules:

Before transferring money, make sure the details are correct.
The transfer should be performed after checking the correctness of the entered information.
Cooperate only with trusted online sellers.
If you encounter suspicious activity and strange transaction messages, call the hotline operator to protect yourself.

By following the tips mentioned above, you can avoid unpleasant problems.

Beware, scammers!

Many banking clients are faced with a problem when they start receiving messages on their phone asking them to return money sent by mistake.

You cannot believe in such stories, since they are an ordinary fraudulent scheme. There are fewer and fewer compassionate people who believe in the veracity of such messages. However, simply ignoring is not always effective.

If the phone number to which SMS messages are sent is linked to a payment card, then fraudsters can illegally gain access to it and withdraw money. When faced with this problem, immediately call the hotline with a request to block the card. This is the only way to protect yourself and your finances and prevent fraud.

In conclusion, we note that although non-cash transfers are very popular today, you need to be extremely careful with them. Always check that the details entered are correct and do not take part in dubious transactions, as they threaten your financial security. If you discover an error in a transaction, try to eliminate it as quickly as possible.

Anything can happen, and sometimes people confuse numbers from a bank account number or bank card, sending money to the wrong person. This happens especially often when people transfer money through online banking. What to do if such a situation arises?

Situation 1: cardholder error - sent money to the wrong account

This is the most common problem. The person mixed up 1-2 digits from the card or account number and made a transfer to the completely wrong person. It should be said right away that making a return is very difficult. And, if we are talking about a small amount, then it will probably be easier to forget about it. If the transfer was large, then you need to act immediately.

First of all, you should call your bank's hotline and ask to stop the transfer. At times of peak load, transactions are not processed immediately, but are put in a queue, so there is a possibility that you can stop the transfer without delay, and the money will be returned back to your account.

If the money has already “gone”, then the bank will not tell you where exactly. There is a concept of bank secrecy, so you will not find out the name and contact details of the recipient of the money simply by contacting the bank. You should rely on the legislation; Article 1102 of the Civil Code of the Russian Federation clearly states that a person, if he has illegally enriched himself at the expense of another person, is obliged to compensate for everything, that is, return the money back in full. In fact, an erroneous transfer of money falls under this article.

You must file an application with the court asking:

establish the identity of the recipient of the money;
return the money.

This application must be accompanied by information about the transfer of money and details of the true recipient (account number where it was planned to transfer the money initially). It turns out that the court will see two account numbers. If the error is minor, for example, you mixed up 1-2 numbers, then getting your money back is quite possible. The chances will increase if another application is submitted by the true recipient of the money.

Situation 2 – bank error

Bank employees are also people who get tired and distracted, and the software sometimes crashes. If the transfer went wrong due to the bank’s fault, then it will be very easy to get the money back.

You must write an application to the bank. You can come to the bank in person with an application, or send it by mail, or send it to the bank’s email. You can also simply call the bank's hotline. You should indicate the transaction number, your contact information and inform that the funds did not arrive to the specified account.

The bank will be obliged to conduct an investigation and it is absolutely none of your concern what the problem could have been: a human factor, a system failure or something else.

You should not sit still, you must write the application immediately, because the sooner the complaint is received, the faster the bank will be able to solve the problem.

Situation 3 – error when transferring money to someone else’s phone

If you know the number of the subscriber to which the money was mistakenly transferred, then you can simply call this person. Of course, he may simply refuse to cooperate. You can even threaten to sue, relying on the same Article 1102 of the Civil Code. If this does not work, then you can call your operator with a request to return the money that was transferred by mistake. There is a good chance that the operator will return the money to your account.

Conclusion

As you can see, it is theoretically possible to return money sent by mistake. But, most likely, you will have to involve the court. If the amount is relatively small, say up to 500-1000 rubles, then there is little point in inflating the proceedings. Well, if you mistakenly transferred, for example, 50,000 rubles to the wrong card, then it’s probably worth fighting with maximum diligence to get them back. But in any case, it is up to you to decide what is worth doing and what is not.

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All of us make mistakes. The exception is those who do nothing. But what could such an oversight lead to? To slight chagrin, dissatisfaction with management or loss of money? The latter is not at all pleasing.

When making money transfers and remote payment for services, we may well make a mistake and send money to the “wrong address”; in general, we risk paying twice. But, fortunately, this is not a reason for sadness, because in most cases the money can be returned. In this article we will tell you how to return an erroneous payment in Sberbank and how to return money to a Sberbank card if you made a mistake in the transfer, sending the money to the wrong place. In other banks, the refund algorithm will be similar.

When will the bank be able to return the payment?

Not every payment can be recognized by the bank as erroneous. If you consciously made a deal and then simply changed your mind, it will no longer be a mistake. This means that the chances of getting your money back are rapidly falling. There are many reasons for returning, but only a few of them are considered justified:

unintentional indication of incorrect recipient details;
repeated operation on an already completed transaction (bank error);
illegally debited funds (the card was compromised).

But if you tell the bank for a refund of the following reasons, you will be denied:

transfer to a card as a deposit for a subsequently unsuccessful transaction;
fraudulent schemes as a result of which you personally managed to transfer part of the money or the entire amount to the card.

Accordingly, there are several ways to return an erroneous payment, and not always with the help of Sberbank itself. In any case, always try to save the receipt of the payment made - no matter where you made the payment or transfer: at an ATM (terminal) or remotely, for example, using the SMS banking service Mobile Bank (by SMS commands) or on the Internet jar (hereinafter referred to as SbOl). A receipt in the form of a paper check or in electronic form (in SbOl) can become an assistant in “identifying” the operation (transaction) performed and speed up the procedure for returning money.

What if you made a mistake when topping up your phone account?

When paying for mobile communications from a Sberbank card at an ATM, through Mobile Banking or Internet Banking, people most often make mistakes. As a rule, a person dials the required phone number to top up his account, a certain amount, and the money is sent “on the road” without unnecessary formalities. An SMS message from the mobile operator about replenishing your account should arrive in a few minutes, and if this does not happen within one or two hours, then most likely you sent money to another number (you can check the fact of replenishing your account in your personal account on the mobile website operator or balance request).

The bank will not help you here, because... The translation has already been made, but the cellular operator will help quite a bit - subject to certain restrictions. For example, if the one who received an erroneous payment fussed and cashed out the money (it can be withdrawn to an electronic wallet or card account), then it will be impossible to return it (since there is nothing to return). Therefore, you need to act quickly!

All well-known operators have return procedures, and everything is written out step by step. For example, in Beeline, if there is an erroneous payment of up to 500 rubles, and if the error in the number is 1-2 digits, the return procedure may be limited to verbal communication with a specialist on the official website (in chat) or a call to the call center.

For larger amounts and a greater number of erroneous digits in the number (you have to try hard to make 3 or more mistakes in a 10-digit number!) you need to contact the company office with your passport and payment receipt (this is where the receipt will come in handy).

Another option is to download a ready-made application form for a refund to the correct number and send it along with a receipt to the operator’s email. If you topped up your account from a card, the refund will be made to it. The estimated refund period is 45 days.

The pages of other mobile operators with descriptions of actions to return funds in case of an erroneous payment for mobile communications can be easily found in any search engine.

Incorrect details when paying for legal entities. person at the bank cash desk

Banks today provide a lot of payment options to legal entities (housing and communal services payments, Internet, etc.) or to government agencies (taxes, fines, etc.) remotely or through terminals. Here the probability of error tends to zero - as a rule, the client already has a form with completely filled out details, and besides, the terminals can read the barcode and “fill out” the details independently. But there are often cases when a person is forced to fill out all the details of the bank in which a legal entity’s account is opened on his own, wait for his turn and hand over the completed papers along with the money to the cashier.

You may make a mistake when filling out the details - therefore, before submitting the form for payment, check that it is filled out correctly. But the cashier can also make a mistake (all people get tired). Therefore, after making a payment, look over the payment order again so that in case of an error you do not waste your time and immediately begin to act.

What if an error occurred? To begin with, it is worth knowing that if the sending bank itself found an error in the transfer process, mistakenly sent to non-existent details, then the money will remain in the reserve (intermediate) account of Sberbank. They can be obtained from the bank's structural division. You will need to write an application in a certain form or fill out a ready-made form. Payment must be included with the claim.

The same must be done if the payment was sent to the receiving bank, but “did not find” its addressee. The money will be returned to Sberbank in 5 business days. You can also contact the receiving bank and provide, if possible, the correct details for the payment to go through.

If the payment was received by a legal entity, then the issue of return can only be resolved with it, and, according to the Civil Code of the Russian Federation, it has no right to prevent the return.

Refund money online (in Internet banking)

In online mode (in the SbOl Internet bank), bank clients are given the opportunity to fully manage their accounts. The probability of making a mistake here is very small, since the transfer at the execution stage will be checked for the correctness of the details provided, and the bank knows the details of many legal entities to which payments are most often received.

You can cancel any payment here before you click on the “execute” button and confirm it by SMS message. But what to do if the payment has gone through?

In some cases, you can recall a payment whose status at the time of withdrawal is “Executed by the bank.” The status can be seen under the name of the payment, and see the payments themselves in the history of Sberbank Online online banking transactions. To do this, click on the operation and click the “Cancel” button. In this case, the document will not be sent to the bank for processing.

You can only recall payments that do not occur instantly; for example, there is no way to cancel a transfer from card to card, since the money is transferred almost instantly. We are talking about common ones. Typically, transfers are sent to a special consolidated account at the sending bank, from which they leave on their “flight” to the Central Bank of the Russian Federation. A flight is a certain period of time (window), which is established by the Bank of Russia. After which the transfers are processed, sent to the recipient bank and it credits the funds to the required accounts (all details are in the above link).

If the payment is made on the weekend, then the likelihood of it being recalled is high, because... The Bank of Russia is closed on weekends.

Another payment refund option is by calling. The call center operator must be provided with all the necessary details of the completed transaction, including its date and time.

It is quite possible that in order to cancel the payment, the operator will need to clarify information known only to you: passport details, date of birth or code word. Please note that Sberbank employees will never ask for any PIN codes or other passwords to access your card. If this happens, it means you called the wrong place and are communicating with scammers, not employees of the institution. This, by the way, is the most common trick of scammers when, inventing various reasons, they try to find out your card details or passwords, while introducing themselves as bank employees.

Erroneous transfer from card to card. How to get my money back?

In Internet banking, before transferring from card to Sberbank card, you will be able to see the full name of the recipient card holder. If a surname that is unfamiliar to you is displayed, then there is a reason to check the correct number of the card to which you want to make a transfer. Hence the conclusion - find out the full name of the owner of the Sberbank card to which you will transfer funds.

When transferring to a card from another bank, there will no longer be such a safety net - be careful. If you are mistaken by even one digit, then the money will not reach the recipient, but it will reach someone else. Such a “gift of fate” will legally belong to a stranger, and you have no right to demand their return.

What should be done in this case? Contact the bank with a statement about an erroneous transfer of funds from card to card, attaching to the application all the documents that confirm the fact of the transfer: a payment from the Internet bank (it can be printed) or a receipt from an ATM.

The bank will contact the client to whom you transferred the money by mistake with a request to return it. If the client agrees, the money will be returned from his account to yours. If he refuses, the return procedure can only be initiated through the police, and possibly through the court. You won’t even know the client’s contact information for a peaceful settlement of the return - the bank has no right to disclose this information in accordance with. This can only be done by the police after a request to the bank.

If the recipient is not a client of the bank, then the sending bank will not be able to do anything. Contact the receiving bank or accept the loss. If the amount is large, then there is a direct route to the police.

There is another nuance here. If you contacted a swindler and transferred money to his card yourself, then the bank will not help you in any way - this was your expression of will. But if money was stolen from the card account, then it can be returned by submitting an appropriate application within the day following the day when you notified the bank in writing about the erroneous debit (details). A double debit can also be considered an erroneous payment. See how to get your funds back in this case.

A similar situation could happen to anyone: they needed to transfer money to an account, they transferred it, 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 quickly as possible in order to transfer it 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 the service of returning funds from incorrectly specified accounts even without notifying their owners.

We will tell you how to return erroneously transferred money in this article.

What should I do if I transferred money to the wrong account?

There are several options for how to proceed in this case:

Contact the bank that accepted the payment;
Contact your bank;
Contact the account owner directly.

Options for the development of events

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

It may happen that you transfer money to a non-existent number, then it will simply hang, since the owner does not exist; a bank employee will find your money and transfer it back to your account.
If the account is real and you do not know the recipient’s information, then the bank cannot provide you with contact information for contacting the cardholder, this will be considered a disclosure of personal data. The bank employee will send a request to the card or account owner to return the incorrectly transferred funds. And only after the card owner agrees to the transfer, the money will be transferred back.
If the card owner refuses the transfer, then it will be necessary to involve the police. To do this, you will need to file a statement with the police, indicate that the funds were transferred incorrectly, provide the number of the incorrectly specified account and receipts, which can be obtained from the bank if the transfer was made via 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 unjust enrichment will be filed against him.

The owner will be called to the police and familiarized with the case materials. If he still does not want to transfer the money back while the trial is ongoing, the case will be referred to the court, which will oblige the card owner to return the funds received.

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

First, the question arises of how to contact the owner of this account. Sometimes it can be very simple. If, for example, the transfer was made using the Sberbank Online service, and instead of the card number you entered the phone number associated with it and got the number wrong.

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 free of charge.

If you want to get the money back directly from the owner of the account where you accidentally deposited money, you will need to explain to him the reason why he is required 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 funds acquired unjustifiably by the person who received them; such a basis for the return of money is quite suitable. Thus, if funds were 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.”

Conclusion

Thus, problems with returning money incorrectly deposited into the account should not cause much trouble:

if the card owner meets you halfway and returns the purchased money;
if this account number does not exist.

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

If 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 have already been spent by the recipient. Then the process of collecting and returning money will be handled by