I received a transfer reminder of RMB 60,000 on my mobile phone, and then someone called me saying that the transfer was wrong and asked for a return or exchange. What should I do?

Never return it! And you should choose to call the police as soon as possible and let the police handle it. I work in a grassroots bank, and I can tell you clearly: for bank transfers, the name and card number must be consistent, and the probability of a wrong transfer is extremely low. Generally speaking, as long as someone transfers the wrong account and calls you to refund the money, there is probably a trick behind it. If you return the money to the other party rashly, you will most likely be in big trouble in the future. Let me first educate you on the bank transfer process

Transfers of an amount like 60,000 are considered large amounts. Whether it is done at the bank counter, or through mobile banking or online banking. The name and bank card number must be consistent, otherwise the transfer will not be successful. You can think about it, a person transfers money, and the bank card number is recorded incorrectly, and then the card number coincidentally becomes your card number. And your name is exactly the same as that person.

You can think about it yourself, what is the probability of this? It is estimated to be lower than your probability of winning 5 million in the lottery. So, if this kind of thing happens to you, don't think too much about it. Nine times out of ten, your information will be leaked and used by others to do some ulterior things. What tricks will there be?

1. The money does not actually arrive

Many people don’t know that now you can set the arrival time for transfers. The remitter can choose "real-time arrival" or "24-hour arrival". If someone calls you and tells you that 50,000 yuan was transferred to you by mistake, and also sends you a receipt for the transfer. That's all false, don't believe it. As long as the other party sets "24-hour arrival", during these 24 hours, the transferred money will be held on the UnionPay card.

With just one phone call, the other party can cancel the transaction and the money will be returned to his bank card. If you really return the money to the other party, you will be deceived out of 50,000 yuan and suffer heavy losses.

2. The money really arrived, but it was an illegal and criminal act

If you receive a text message reminder, it reminds you that there is indeed money in your bank card. . You must not be careless. It is very likely that the source of the money is not clean and it is an account. We have all heard of "money laundering crime", but have never really seen it. Putting money from incorrect sources into your account, then taking it out and transferring it to the other party, this process is actually money laundering.

So, don’t be careless. If you return the money to the other party rashly, you will definitely be implicated in money laundering crimes. In case, the other party sends you a red envelope worth hundreds of dollars in order to "thank you". You didn't know it, but you accepted it stupidly, thinking you were doing a good thing. Then you're done.

When you go to the police station for investigation, the police will ask, if you have not actively participated in money laundering crimes, how do you explain the red envelope? Even if you jump into the Yellow River, you won't be able to escape. Although you will not be sentenced for passively laundering 60,000 yuan, you will definitely not be able to escape if you are detained for a few days. If you leave a criminal record, you will lose your job. As long as the money is really transferred to your account, no matter what the reason, you should call the police as soon as possible and let the police handle it

This kind of thing is such a large amount of 60,000, so you must not be careless. You should call the police as soon as possible, explain the matter to the police in detail, and let the police decide what to do. If the other party really made a mistake in transferring the money, and you call the police and leave evidence, you have no intention of keeping the money as your own. Let the other party take the evidence and come to you. Accompanied by the police, you can go to the bank together and transfer the money to the other party.

If they are using your account to launder money, then the other party will definitely not dare to call the police. At most, they will call you to threaten you. Just give the money to the police and let them handle it. No matter what happens in the future, whether the other party is caught or sentenced for money laundering, it will have nothing to do with you. One thing must be remembered: there is no pie in the sky. Don't be greedy for money, don't be greedy for petty gains. If you treat others as a fool, you will end up being a fool yourself.