According to the Notice on Strengthening the Management of Payment and Settlement to Prevent New Crimes in Telecommunication Networks, if an individual transfers money through ATM, the issuing bank will handle the transfer of funds within 24 hours, and the individual can apply for cancellation of the transfer within 24 hours after accepting it.
Through ATM transfer, the original real-time arrival is changed to the default arrival after 24 hours, and the transfer operation can be cancelled within 24 hours, which is equivalent to providing consumers with a dose of "regret medicine" and preventing telecom fraud to some extent.
For example, on an ATM, it takes 24 hours for Brother Long to transfer money from a bank account to someone else's account in A bank or B bank. At the ATM, it takes 24 hours for Brother Long to transfer money from Bank A to his account in Bank B. At the ATM, Brother Long transfers money from his account in Bank A to another account in Bank A, and it arrives in real time.
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In addition to ATM transfer, there are three ways to transfer money at ICBC counter and mobile banking, namely real-time arrival, ordinary way and next-day arrival. Among them, the ordinary way is to remit money after 2 hours, and you can apply for cancellation within 2 hours, and you can apply for cancellation before 0 o'clock the next day.
Huaxia Bank customer service staff said that the bank's mobile banking transfer can choose real-time, 3-hour remittance and next-day remittance. Users who choose the latter two transfer methods can check the maintenance status of remittance transactions in mobile banking. If "Pending" is displayed, they can apply for cancellation by calling customer service or the counter. If it is actually "Being Processed", it cannot be cancelled.
Most banks can choose manual service through the counter of business outlets or call customer service, and some banks can cancel it through mobile banking and online banking. Regarding the cancellation of transfer, the central bank has no uniform regulations, and different banks take different measures. If you need to cancel the transfer, you'd better call the customer service phone of the issuing bank or consult the staff of the outlet.
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