In online bank transfer, the wrong bank card number, wrong name or wrong payee bank will all lead to the transfer failure. After the transfer fails, the money will be returned in the same way within five working days. ? When transferring money, especially inter-bank transfer, you need to transfer money first, and then you will get feedback (if the account number is right, the transfer will be successful, and if it is wrong, the money will be refunded), so you will deduct the money first. ?
According to Article 92 of General Principles of Civil Law of People's Republic of China (PRC) and General Principles of Civil Law of People's Republic of China (PRC), if improper benefits are obtained without legal basis and losses are caused to others, the improper benefits obtained shall be returned to the person who suffered losses. If the payee refuses to return the money, or the contact information of the payee cannot be known through the bank, the remitter can sue the payee for unjust enrichment and ask him to return the improper income.
In order to avoid difficulties in future execution, the remitter can also apply to the court to seal up the other party's collection account under the condition of providing guarantee.
Extended data
Precautions for online banking are as follows:
1, avoid using search engines.
Get the website address of online banking from regular bank outlets and remember that when logging in to online banking, try to avoid using third-party channels such as search engines. Because some fake online banking websites are likely to be hidden in the search results, once clicked, they are likely to fall into the trap unconsciously.
The best way is to register the correct online banking website in the browser's favorites, and all future visits will be entered by clicking the link in the favorites to ensure that you will not visit the wrong website.
2. Set mixed password and double password.
The password setting of online banking should avoid being related to personal data. It is recommended to use a mixed password of numbers and letters to improve the difficulty of password cracking and keep it properly. Trading passwords should be avoided as much as possible.
3. Check the transaction records regularly.
Regularly check the business records such as transfer and payment handled by online banking, or customize the account change notice through SMS to keep abreast of account changes.
4. Keep the digital certificate properly.
Avoid using online banking on public computers to prevent confidential information such as digital certificates from falling into the hands of others.
5. Be wary of email links
Online banks generally don't send out "system maintenance and upgrade" tips by email. In case of major events, the system will suspend service and the bank will announce the customer in advance. So, when you receive a similar email, be careful of fraud. Once the information is found stolen, you should immediately modify the relevant transaction password or report the loss of the bank card.
Baidu encyclopedia-online banking
People's Daily Online-The woman entered the wrong account with mobile online banking and transferred it to the wrong account, but the other party did not return it.
Baidu Encyclopedia-General Principles of Civil Law in China