Error in bank card transfer. What should Alipay do?

Banks are enterprises that everyone can't avoid, and problems related to banks are sometimes a headache.

We used to complain about the poor service of banks. Now banks are also constantly upgrading. With the continuous progress of science and technology, many aspects have been replaced by technology. Even if banks don't need to improve their services, various modern technologies have replaced traditional services. Such as ATM machines, online banking, third-party payment and so on.

Therefore, the fast times call for fast service. Of course, fast means too fast to catch up. Once there are some mistakes. In reality, many people often send red envelopes on WeChat, and there will be a phenomenon of sending wrong red envelopes; When you transfer money through online banking, you will also transfer the money to others by mistake. What should we do in this situation? Especially how to recover the wrong bank transfer?

1.24 There are two ways to make an error in bank transfer within hours:

(1) At present, bank cards can cancel transactions within 24 hours whether through online banking or ATM machines. Once an error is found, you can cancel the wrong transfer through this function, and the bank will return the transferred funds to your bank card.

(2) If you find that this function is not enabled on the bank card, you should call the customer service directly through the official customer service phone number of the bank to tell you that the transfer is wrong and hope to terminate the transfer. The bank will help you solve this problem in time when it receives your signal to terminate the transaction.

Note that the above actions can be taken to cancel the transaction and recover the money, whether it is a transfer from different places or an inter-bank transfer.

2. If there is an error in the bank transfer after more than 24 hours, two points should be noted:

(1) If you are an acquaintance, just ask the other person to get it back. If not, have the bank call back. If you can't recover it, you must take legal channels.

(2) If you are a stranger, call the bank first and ask the customer service staff to help coordinate, find the bank card holder and ask him to pay back the money; If not, you can choose to call the police and let the police coordinate and solve it. If not, you must solve the funding problem through legal channels.

3. The bank transfer error is human error. Generally, the funds will be returned in the same way.

The first two cases are the wrong person, that is, under very coincidental circumstances, your user name and card number are rarely mistakenly transferred to the other party's card, that is to say, it will happen in your transfer account by default. After all, now online banking transfer needs card number, user name and bank address, which are basically not completely repeated.

What we are talking about now is another situation, which is more common, that is, the other party's bank card number, user name and bank address are incorrectly filled in, which means that the funds you transferred can't reach the other party's card at all. If this bank transfer is wrong, the bank will check it, and if it finds an error, it will refund the transferred funds.