What should I do if the transfer is wrong when transferring money between banks?

If you want to recover the money that was mistakenly transferred to your bank card, you can use the following three methods: First, contact the bank directly. If the wrong money does not reach the other party's account, the bank can directly cut off the original route and refund it. Second, the money has arrived in the other party's account. Try to contact the other party to negotiate a return of the incorrectly transferred money, and ask the bank to check the other party's contact information.

I believe many people have had similar experiences and accidentally transferred money to someone else's bank account. What should I do if the other party refuses to return the product? Many people said they should call the police and go to the bank! ! ! For this reason, the police and banks have put down their guns, so what is the correct way to deal with it?

Nowadays, with the popularity of modern new payment methods, such as online banking, Alipay, UnionPay Express Payment, mobile banking, ATM, etc. , transfers appear more and more frequently in our lives. The most frustrating thing is that the transfer operation was wrong. It's easy to transfer money by accidentally entering the wrong account number, or accidentally omitting the name of the payee, but not so easy to recover. How should I refund my money if I encounter something sad like transferring the wrong number on WeChat? The editor will help you! !

1. Communicate in a timely manner. Article 122 of the General Principles of Civil Law stipulates that because others have no legal basis, the person who suffered losses has the right to demand the return of unjust benefits. According to Article 92 of the General Principles of the Civil Law, if there is no legal basis for obtaining illegitimate benefits and causing losses to others, the illegitimate benefits obtained must be returned to the person who suffered the loss. Article 131 of the Supreme People's Court's "Opinions on Several Issues Concerning the Implementation of the General Principles of the Civil Law of the People's Republic of China (Trial)" stipulates that other benefits obtained through unjust enrichment shall be collected after deducting labor management fees. "

If a WeChat transfer error is discovered, the victim should contact the other party in time (by phone or WeChat chat function), explain the situation, and ask the other party to return it. Communicate with the other party first, and the other party has the obligation to return it.

If the other party knows that the transfer is wrong and refuses to return the money after receiving it, it is considered unjust enrichment. If the amount involved is relatively large, it may also constitute a criminal offense of illegal misappropriation (property or property handed over to others for the purpose of illegal possession). Taking the forgotten or buried items as your own and refusing to return the larger amount shall constitute the crime of misappropriation of public funds)

2 Contact customer service and let them communicate with each other

If you are unfortunate enough. If you are determined not to refund the money, don't just argue with the other party. Call customer service immediately and ask for help.

If the communication fails, sue the other party.

If the other party refuses to return the money, The victim can take the other party to court on the grounds of unjust enrichment.

It should be reminded that according to relevant legal provisions, the court with jurisdiction over unjust enrichment disputes is the place where the defendant is domiciled, and the court where the victim is located has no jurisdiction. .