Can China Merchants Bank refund the wrong transfer?

After China Merchants Bank transfers the money to the wrong account, the money can be returned.

If the wrong account is transferred when handling bank transfer, the other party unjustly benefits and has a legal obligation to return it.

Therefore, the transferor may require the party that actually received the transferred money to return the wrongly transferred money. If negotiation fails, you can also bring a lawsuit to the court according to law and demand the other party to return the unjust enrichment.

1. If it is an inter-bank transfer, it will take some time to arrive at the account. At this time, it will take about 4~5 working days to contact the bank to explain the situation before it can be restored.

2. If it is an online banking peer transfer, there is no way to get the account in real time. We can only see if we can contact each other through the bank. If you can't get in touch, the bank won't help you recover it.

Extended information:

The bank transferred money to the wrong customer. Can I have it back?

In the event of an error, the bank is not responsible for assisting in recovery. Customers are advised to go to the nearest bank counter as soon as possible after discovering the wrong account, and verify the existence of the other bank account with the printed receipt issued by the ATM machine on the day of transfer. If the opposite account does not exist or is invalid, the money will be automatically returned to the sender's account within a certain period of time. However, if the other party's account is true and valid, then the remitter can ask the bank staff to provide the other party's contact information.

If the bank is unwilling to provide the personal information of the other party, the remitter should report the case to the public security organ and ask the public security organ to intervene in the investigation. First of all, the public security organ will ask the bank to verify the identity of the other party, and then communicate with the other party whether it is willing to return the money. If the other party refuses to return the money, the remitter can bring a civil lawsuit to the court with the money order, and the court can use the legal provisions of unjust enrichment to help the remitter recover the money.

The money was remitted to the wrong account. Can I get it back through the bank?

Not necessarily, it depends on the specific situation:

1. If the account number and name provided by the customer are the same, that is to say, the bank can remit money through the account number provided by the customer, and the customer has signed the bill and the bank has remitted money. In this case, the bank has no obligation to get the money back for the customer.

2. If there is something wrong with the account number and name provided by the customer, then the money cannot be sent out, no one receives the money, and the money is still in the banking system. In this case, the bank will refund the money, but the handling fee will not be refunded to the customer, because the information provided by the customer is wrong and the signature is wrong. But this was many years ago. At that time, the banking system was not perfect, and there was no way to check whether the account number and name provided by customers were correct. As long as the number of digits in the account is correct, it is possible to get a refund. Not now. You can tell the customer whether this can be mailed at the time of handling, without refund.