I deposited the money in the bank, but the bank didn't record it. I saved 40 thousand yuan, and now I have spent it all.

This is a normal phenomenon. After such problems occur, you should contact the branch of your bank in time.

First, check whether your SMS notification is smooth.

Sometimes we deposit money into the account at the ATM. However, because our SMS notification service has not been opened, or because of arrears, or because of network problems, we may not be able to receive the relevant account change prompt immediately.

At this time, what we have to do is to check our account balance directly on the ATM, and the query result shall prevail. If it really doesn't work, you can also check at the counter!

Second, check your bank flow.

You can also go to the bank to print your own bank flow. If you find that the flow of money is indeed correct, but the money is not in your account, you can also feedback it to the bank and ask the bank to work together to find out the reason and solve the problem.

Third, if the money really doesn't arrive.

This situation can be solved in two ways:

1. Deposit by card

ATM machines sometimes have network or hardware failures. If the money is not deposited in the account due to ATM network or hardware failure, you can register at the bank counter with your ID card, bank card and deposit slip (it doesn't matter if you don't have it) and explain the situation. Usually, the bank customer service will give you an "ATM error registration form" to fill in. You just need to identify which ATM machine it is and make a mistake.

Then, usually within three working days, the bank will give you an answer. If the situation is true, the bank will transfer the funds you have not received to your account. If the cash is not recorded after being swallowed by ATM, the bank will also arrange staff to clean it up with you under supervision.

2. No card deposit.

At present, some ATMs support cardless deposits, that is, you don't need your bank card, you only need the bank card number to solve the deposit and withdrawal problem. Therefore, if the money you deposit has no card and has not arrived, you need to first determine whether you have entered the wrong card number and deposited it in someone else's account.

There are three solutions at this time.

(1) You can directly call the bank's customer service hotline and ask the bank to temporarily freeze the payee's account, and then negotiate with the payee to solve it. However, the premise of this method is that the money has not been taken away by the payee, otherwise it is useless to freeze other people's accounts.

(2) The report shall be handled by the police.

(3) For the payee who refuses to repay, he can sue the court for unjust enrichment and ask him to repay the wrong funds.