Is it true that the bank transfer was cheated?

In short, this is a process that the matching cannot be successfully transferred to the designated account due to your personal reasons, bank reasons or UnionPay company reasons, and the system will automatically refund the transaction amount and other auxiliary fees that occurred before to the payer's card.

In other words, if the transaction is cancelled during the transfer, the transfer is unsuccessful. When the bank transfer transaction is abnormal, such as communication timeout, the transaction initiator automatically or manually initiates the bank transfer reversal transaction and cancels the original transfer transaction. The money you transferred will return to your card after a period of time.

Simply put, the concept of error correction is to correct the wrong operation, as opposed to the wrong transaction.

1. Bank card transfer method

There are many ways of bank card transfer, which can be roughly divided into ATM transfer, online banking transfer, third-party financial software transfer and bank counter transfer.

No matter which transfer method is adopted, we should pay attention to whether the payee knows, and try to avoid transferring money to strangers. ATM transfer is the most common way. The cardholder inserts the bank card into the machine, selects the transfer, and inputs the payee's bank card number for transfer. There is no handling fee for point-to-point transfer of ATM machines.

There will be a handling fee for inter-bank transfer, and the daily transfer limit is 50,000 yuan, which will be received within 24 hours. Take five major banks (Bank of China, Agricultural Bank, China Construction Bank, Industrial and Commercial Bank of China and Bank of Communications) as examples. China Bank charges less than 2,000 yuan per ATM, 2.4 yuan; Agricultural Bank of China: each 2 yuan below 2,000 yuan; 2 yuan for each CCB below 2000 yuan; ICBC 2000 yuan per 2 yuan; Bank of Communications 65438+2000 yuan per 0.6 yuan. The above standards are for reference only, subject to bank regulations.

Online bank transfer is relatively simple and can only be done at home. Log in to official website, the bank to which the bank card belongs, select Transfer Remittance, enter the payee's name and card number, and enter the transfer amount and password to complete the transfer. Except for Bank of Communications, the five major banks do not charge transfer fees. Bank of Communications charges 0.024% of the transfer amount for online banking transfers of more than 50,000 yuan, and the highest is 40 yuan. The transfer of third-party financial software depends on other software, such as Alipay and WeChat. Users can transfer the funds in the card to the software account, and then use the funds in the account to transfer to someone else's account or bank card. Different software charges are different. If the above operation is not very skilled, you can bring your bank card and ID card to the bank counter to handle the transfer business. You can apply for 2-hour arrival and 24-hour arrival for bank counter transfer. The main purpose is to prevent problems after the payee transfers money and recover the funds in time.