Permission to cancel an erroneous top-up. How to cancel a bank card transaction? Is it possible to get a refund if I transferred it to the wrong phone number?

Bank cards first appeared more than a century ago. During their existence, they have come a long way, from pieces of cardboard to miniature computers. Cards have spread throughout the world, allowing their owners to manage their money comfortably.

Contents [Show]

They paid by card without my knowledge. What to do?

Unfortunately, most of us are accustomed to taking recommendations for the safe use of bank cards very lightly. It even gets to the point where people post photos of cards on the Internet, thereby giving anyone the opportunity to use their money. Or they write the PIN code directly on the card. Fraudsters are happy to take advantage of such gifts. Indeed, on many sites on the global network it is not a problem to pay for a product or service using only card data. And if you lose your card with a PIN code, you are almost guaranteed to lose your money. What to do if someone used your card? The first thing you need to do is block it. Even if there are only suspicions of unauthorized use of the card. It’s better to lose a little time playing it safe than to lose all your money. Moreover, blocking a card is quite simple. All banks have a 24-hour support service for cardholders. Her contact numbers are always listed on back side cards. The next step is time to contact your bank. All issues related to the card must be resolved only with him.
Read also: MFO writes off money from the card. What to do?

The law is on our side.

The main law in the Russian Federation defining the procedure for the provision of services using payment cards is the federal law No. 161-FZ “On the National Payment System”, adopted in 2011. According to it, all banks are OBLIGATED to notify bank card holders about transactions carried out with their help. If the card was received or debited cash– the bank must notify you. The bank didn't do this? You have every right to demand reimbursement of the amount of unauthorized debit from him, referring to paragraph 13 of Article 9 of the above law. If you receive a notification of an illegal write-off, you must report it within 24 hours. Obtaining compensation will be much more difficult, and in some cases even impossible, if this obligation is ignored. The agreement with the bank must clearly define the following issues:

• support phone numbers;
• the procedure for notifying the client about the movement of funds;
• the procedure for notifying the bank about an unauthorized transaction;
• deadlines for consideration of applications.

What to write in the application?

All banks have their own claim forms, but you can write it in any form. It is necessary to indicate:

• Last name, first name, patronymic of the card owner. The application will be accepted only from him;
• Passport details of the holder;
• IN mandatory indicates the card number used for the unauthorized transaction and its validity period;
• The amount you are disputing;
• Date, time and place of its holding;
• Describe the reason for the complaint: incorrect amount, double debit, product (service) not received, etc.
• You must provide your contact information;
• Date of application.

The bank is obliged to respond within 30 days from the date of filing the claim. If the operation is performed outside Russian Federation, it is allowed to increase the period to 60 days.

How to cancel an operation.

The specificity of making payments using bank cards is such that at the time of payment, the money does not leave the account, but is only blocked on it. The final payment occurs after a few days. Returns of goods purchased with a card are carried out through the store. The cashier, using the card (or its data) and the original receipt, will generate a cancellation/partial cancellation of the payment, after which the blocking of the canceled amount will be removed. In this case, the money will be available to you immediately. The blocking of funds will be automatically lifted if the retail outlet does not send confirmation of the transaction within 45 days. However, if the money has already left the account, there is still an opportunity to get it back. The cashier of the outlet will not cancel the purchase, but return it. Essentially, this is paying for an item with a negative receipt amount. You should be prepared for the fact that these funds will not become available immediately, but after a few days. If this does not happen within two weeks, you should contact the issuing bank. Often it is enough to present a return receipt for the blocking to be lifted. Payment systems are continuously improving the security of card payments. With the spread of online stores, an additional degree of payment confirmation has appeared, without the physical presence of the card. Initially, the “Verified-by-Visa” system was introduced by the payment Visa system. It is a two-stage verification system. At the first stage, the card number, its validity period and authentication code (CVV2 code) are controlled. On the second, an additional code is used, most often received by the client in the form of an SMS message. Other payment systems have introduced similar mechanisms for additional protection of Internet payments, collectively called 3D Secure. 3D Secure has significantly improved the security of online purchases. After all, to successfully commit them, the attacker must take possession of not only the card data, but also, at a minimum, the SIM card of your phone, which receives a one-time code. Of course, there is a possibility of such a set of circumstances occurring, but the return of funds in such cases is already within the competence of law enforcement agencies. As well as when confirming payment with a PIN code or the personal presence of the cardholder. You should not try to deceive the bank in order to return funds you spent yourself. This will not only not bring the desired result, but will also lead to additional expenses. If your claim is determined to be unfounded after consideration, the bank has the right to reimburse the costs of the investigation at your expense. And this is not a cheap pleasure. Today there is no payment technology as convenient and widespread as bank cards. Most security problems can be solved by being attentive and following basic rules. Be vigilant and do not deprive yourself of the opportunity to manage your money comfortably.

Rate this article

Chargeback - how much there is in this word

The procedure in question is called chargeback. You can find many definitions of this operation on the Internet, but most of them are written so vaguely that an ordinary person cannot figure it out. A chargeback is a financial claim that your bank (based on the application) issues to the merchant's bank. Based on the results of the investigation, the money is either returned to you or not. In what cases can a chargeback be initiated?

• You paid with a card in a store, and the purchase amount was debited 2 times.
• You did not receive the product (for example, purchased online) or you are not satisfied with its quality.
• You do not agree with the amount/date of the debit.
• Are you sure you didn't perform the transaction?
• The seller refuses to return money to the card for the product you want to return.

These are the most common situations.

Canceling a card transaction: the devil is not so scary

The Internet is simply teeming with indignant posts from customers reporting that the bank allegedly refused to “do a chargeback” and return the money. All this is from the evil one due to ignorance of the process. I will try to describe it to you as simply and accessible as possible.

1. It all starts with an extract. For example, you receive a statement at a branch (or in Internet banking) and see that the amount of the purchase you made was written off twice or you did not make such a transaction at all.
2. You contact the bank, write a statement about the disputed transaction and provide supporting documents (for example, a receipt from a store). There is one very interesting point here. The point is that you are limited in time. Read carefully the agreement you entered into with the bank. Thus, Bank Vozrozhdenie says that the client must submit an application within 45 days from the date of the transaction, otherwise the claim may not be accepted by the bank. And a client of Petrocommerce Bank must dispute the transaction before the 15th day of the month following the month in which the transaction was made. Of course, each case is individual, therefore, despite specified deadlines, banks require customers to keep all checks for 180 days.
3. The bank, having received a statement from you about a disputed transaction, sends it to the appropriate payment system. Please note that this is where its functions end (roughly speaking). That is, it is completely in vain that many clients shower bank employees with curses. They simply cannot influence the situation in any way, because... she is already beyond their reach.
4. The payment system analyzes the received documents and sends a request to the acquiring bank.
5. The acquiring bank, in turn, makes a request to the store demanding receipts (or other confirmation of the transaction). As you understand, if we are talking about the so-called double write-off, then the store must provide 2 receipts.
6. If a store has only one receipt (and more often than not this is the case) or does not have one at all, then the acquiring bank informs the payment system about this, which instructs the issuing bank to satisfy the client’s chargeback and return the money to the card.
7. Subsequently, the acquiring bank withholds the required amount from the store for subsequent refunds.

If you return the product to the store, then, as a rule, everything is resolved on the spot. Or the store is equipped with a terminal with a return function, the card is swiped in front of you and you receive a receipt indicating that the operation was canceled and the money will soon be returned to your account. Or the retail outlet itself contacts its bank and initiates the procedure for returning the funds to you. If the store refuses to return the money, you should not be upset. You need to initiate a chargeback again, i.e. complete the entire procedure described above. The same can be done if you are not satisfied with the quality of the product or it was not delivered at all (for example, when purchasing online). But what to do if the fact that you did not complete the transaction is not confirmed? In other words, did you perform the operation?

Chargeback: the cost of error

We talked a little about what awaits those whose claim turned out to be unfounded in the article “Money was stolen from the card. Who is to blame and what to do?". You understand that the money and time of three organizations were spent on your application! Accordingly, someone must answer for the fact that the alarm was false. And that “someone” will be you. So, the penalties for an unsupported financial claim are as follows:

• VTB24 – 1500 rub.;
• CB "Renaissance Capital" - 600 rubles;
• Ural Bank for Reconstruction and Development – ​​600 rubles. + costs of the parties involved in the investigation.

What to do to avoid paying such fines? Before reporting a disputed transaction, interview your closest relatives who have access to your card to see if they were the ones who made the suspicious transaction. Believe me, the percentage of cases where this is the case is close to 100. In all other situations, you will be able to cancel the transaction and get your money back. The main thing is to check your statement carefully and on time! Payment by card via the Internet

When are bank cards not accepted for payment? Do we spend more when paying with a card?

Do you like to make purchases by paying with a bank card? Convenient solution. But what if the goods were paid for, but the wrong amount was debited from the card or you did not make any transactions at all, and the money disappeared? The funds must be returned immediately. The chargeback procedure will help you with this. Essentially, this is a financial claim from the client to the seller, which will help prove their position and cancel the card payment. Let's figure out how all this happens in practice.

Chargeback – when can you initiate?

Don’t “hope” that chargeback is a great opportunity to make money! Before the bank begins to consider your claim, it will carefully examine the reasons for the client's request. And if he finds them disrespectful, they won’t even accept your application. If he thinks you are right, the real investigation will begin. It will involve four parties - your bank, which issued the card, the payment system, the acquiring bank (processed the transaction) and, of course, the seller. So you can't expect quick results. When can you initiate a card payment cancellation (chargeback):

1. If you paid with a card at retail outlets, and the purchase amount was debited twice.
2. You ordered a product via the Internet, but it was not delivered or you are not satisfied with the quality (it differs from what was declared or they sent a different product altogether).
3. You are sure that you did not make any transactions that day, and the money from the card is missing.
4. The client does not agree with both the amount and the date of debiting from the card.
5. You want to return an item (defective, other reasons), but the buyer refuses to accept it without justifying the reason.
6. The purchase was made, but the seller wrote it off a large amount for a product or service.
7. The buyer’s personal signature on the card does not match that on the invoice, invoice, etc.
8. Payment system error.

If your situation is similar to those described above, you need to initiate a chargeback and you need to do it quickly! Many banks that issue you cards specifically set restrictions on the terms of application in order to “get rid of” a complex and lengthy procedure.

We cancel a card transaction - what should we prepare for?

In fact, not everything is as scary as users believe. The main thing is not to try to deceive the bank, so that you don’t have to pay fines and correctly justify your position. What is the procedure for disputing a payment (chargeback)? The first thing to do is visit your bank and request a statement for reporting period when an incorrect/erroneous debit of funds occurred or order a statement from Internet banking. We analyze the document, make sure that the amount was written off twice or there were no purchases at all - you can write an application to the issuing bank, outlining in detail the situation about the controversial transaction (drawn up in free form). It is necessary to present and payment document for a product or service (check, e-tickets etc.).

Important! At this stage, it is worth very carefully studying the agreement with the bank that issued the card. It must indicate the period during which you have the right to file a claim for a chargeback. Most often this is 30 – 45 days, but they require you to keep checks for up to 180 days!

The bank accepted your application and asked you to fill out an additional form of the established form - you can no longer influence the course of the procedure. What happens next:

Important! Be sure to ask for a visa to be placed on the second copy of the application - this will allow you to demand from the bank that the deadlines allotted for consideration of citizens’ applications be met. Typically, the period can range from 30 to 60 days.

1. The bank will review your statement about the incorrect transaction and send the document to the payment system that processed it.
2. The payment system receives documents from your bank, analyzes them and sends a corresponding request-claim to the bank that made the payment/debit from the card.
3. After this, the acquiring bank is obliged to make a request to the store and demand all payment documents related to the disputed transaction. That is, if your money was written off twice, but the store only has one receipt or does not have one at all (erroneous write-off or fraud), they will not be able to “justify themselves.”
4. The store or service provider could not confirm the correctness of the transaction - the acquiring bank notifies the payment system about this. She, in turn, “commands” the issuing bank to fully satisfy the buyer’s claims - to carry out a chargeback. The card payment is canceled and the “disputed” amount is returned to you in full.

We return the goods and get money

It is worth remembering that before starting the chargeback procedure, it is better to inform the careless seller about this. Such information can instantly resolve a controversial situation. Many stores have terminals that already provide the function of returning money written off from the card. Therefore, return the product that you are not satisfied with, present the paid receipt and demand your money back. The seller swipes the card again, indicating the refund amount. There is another option - the retail outlet itself will contact servicing bank and will initiate a refund of your funds. Merchants refuse these options - we begin the chargeback procedure.

How to deceive a bank and what the consequences are?

There may be a situation where a person simply forgot about the fact of the purchase, or his immediate relatives used his card, or he just wanted to “earn a little money.” That is, you actually completed the operation and have already managed to initiate a chargeback, deceiving the bank.

The minimum price for such a “mistake” is a fine! If it turns out that this is not the first time you are trying to deceive financial structures– administrative and even criminal liability.

The point is that your issuing bank spent its time and money conducting an investigation and filing formal requests. But besides this bank, other structures also worked on your “problem”. So you have to pay for deception! For different banks, penalties can vary from 500 to 2000 rubles. What can we say about the fact that they will close you down? credit limits and may cancel accounts. Chargeback is yours legal right, so you shouldn’t “forgive” sellers who are trying to deceive you. The main thing is not to waste time and do everything correctly, and then the incorrect card payment will definitely be cancelled.

Making payments using Internet banking is a very convenient procedure, but sometimes due to a client’s oversight, money can “go the wrong way.” After clicking the “send” button, the user suddenly notices that he entered the wrong details, the wrong counterparty, the wrong phone number, the wrong account number, or there was an error in the transfer amount. Sometimes a not very pleasant situation arises when money from an account is stolen by scammers. In such a situation, a person is interested in main question: “How to cancel a transfer operation through Sberbank Online?”

In what cases can the bank return the payment back?

You can return money from a transfer when it is found to be erroneous. The justified reasons are the following:

• unintentional oversight in specifying the recipient's details;
• bank error;
• illegal write-off by third parties.

They will definitely refuse in the following situations:

• the money was transferred as a deposit, but the transaction did not take place;
• the client became a participant in a fraudulent scheme and voluntarily transferred funds;
• payment of loans and when working with cards.

Miscalculation when replenishing a mobile account

Most often people make mistakes when replenishing mobile phone. It is worth remembering that the operator must send an SMS confirmation of payment. If there was none, then there is only one conclusion - the user paid for someone else’s phone. The bank will not be able to solve this problem, but the mobile operator can do it. Most of them have a return procedure.

Errors with replenishment mobile numbers happen often

Error when transferring from card to card

Payment from card to card is attractive because the funds are credited instantly. But this just makes it difficult to get your money back. The easiest way is to cancel a transfer from card to card of one banking institution. He specially insured himself for such a case: when filling out a payment order, you can definitely see the recipient’s personal data and his card number. Therefore, it is necessary to find out the recipient’s name and card information in advance. If the payment was made in favor of the cardholder of another financial institution, then the bank on whose card the transaction was carried out will be able to help.

Error when transferring at the bank's cash desk

People tend to make mistakes. Anyone can fill it out incorrectly payment order at the cash register or the operator himself will make a technical error. After filling it out, it’s worth checking the details again so that there is no annoying misunderstanding. If the error occurred due to the fault of the bank, the money will end up in its reserve account and will be returned to its owner. You might be interested in:

Ways to return transferred money

Through Sberbank Online

Let's look at how to cancel a transfer in Sberbank Online. Without delay, you need to act according to the instructions:

• Log in to the service.
• Check the status of the erroneous operation. If the payment is marked “In progress,” then the funds have not left the card. You should urgently cancel the transaction if there is a typo in the details.
• When there is no confirmation of payment, click on it, and then on the line “Cancel”, and as confirmation - “Confirm review”.
• To make sure that the payment has been withdrawn, you need to go to the transaction archive and look at the status of the operation. If “Revoked” is marked opposite, it means a cancellation has occurred.
• If the operation already has a confirmed status, you must proceed differently. You need to call the operator to cancel the transaction or contact the bank in person.
• If you managed to agree on the cancellation through the operator, then in your Personal Account, opposite the operation, the note “Rejected by the bank” or “Application rejected” will appear.

By telephone

The second way to return the money is to call the operator on the bank’s hotline (the telephone number is listed on the website). Since the institution’s work involves preliminary verification of many transactions, the user has time to cancel an erroneous payment. By blocking the transaction in time, you can avoid having your money written off. The call center operator can ask clarifying questions to confirm the identity of the cardholder. The easiest way to solve a situation is when you need to cancel sending money from a card to a card of one bank. If money is written off by mistake, information about the transaction (transaction code, amount, time) will help speed up the resolution of the problem.

If the payment was made through an ATM or any other terminal, then an important proof will be a check or receipt for the transaction.

You need to act especially quickly if the card has been used by fraudsters. It is necessary to contact the bank within 24 hours, preferably recording the fact of theft with the police.

At a bank branch

You can solve the problem of erroneous debiting of money by personally visiting a bank branch. There are two possible scenarios for the development of events. If, when sending, the client mistakenly indicated the details of a recipient who does not exist in reality, then the funds will simply “hang” in the reserve account. In this case, you should write a statement to the bank management with a request to cancel the payment. The application will be reviewed within a month. The situation is worse when the details of the real recipient were indicated when sending. This problem can be solved either by personally contacting the recipient himself, or, if he refuses, in court.

In some situations, errors in transfers can only be sorted out if you contact a bank branch

How to avoid mistakes when making a payment to Sberbank Online

To avoid a situation where you have to cancel a transaction, you should follow some rules:

• When filling out the details, you must be extremely careful. Often similar mistakes are made by owners of tablets and smartphones that have small screens.
• Unexpected situations arise when paying for goods in an online store. To ensure the correctness of the operation, it is confirmed with an SMS password. In this case, you can re-check the details to avoid making an irreparable mistake.

You may be interested in: Sending an SMS password has one more positive side. When a user receives it, but has not made any transactions, this is evidence that the card was used by a fraudster. In this case, you must immediately contact the operator by contacting the banking institution's hotline. The payment will be blocked.

• You should never tell strangers your passwords. Even bank employees have no right to be interested in such information.
• It happens that a client has lost the list of one-time passwords. When you contact the bank, an employee will issue a new list.
• Often, when filling out a payment form, all details are included automatically. If this option does not work, it means an error was made. It is necessary to double-check the data and fill out the form again.

Instructions for operating the Sberbank Online service (video)

Conclusion

Transfers using Sberbank Online are a modern, convenient and safe method, but only if you adhere to certain security rules. By following them, the client will never have to think about how to cancel sending money. If an unfortunate mistake occurs, to correct it you should choose one of the options for canceling the transaction that is suitable for your specific situation.

The modern world is increasingly using information Technology. Instead of regular stores, people are increasingly using the services of their online counterparts. Banking system keeps up with the times, and therefore Sberbank welcomes online transfers and payment for services. Unfortunately, sometimes mistakes happen and the money may not reach the recipient on time. In practice, such cases occur quite often. The client inattentively fills out the form, is in a hurry, and after clicking the “Submit” button he realizes his mistake. Many people immediately begin to get nervous. Fortunately, this case is not yet the most difficult. There are more dangerous options, for example, unscrupulous citizens can steal funds from the card. You need to act quickly here. Below we will consider in more detail the methods of canceling transfers in the Sberbank online system.

When can you get your money back after sending a transfer?

Sberbank closely monitors everything financial operations and can return money transferred erroneously.

The client has the right to return the money in the following cases:

• An obvious error when filling out the payment form, for example, in the recipient’s details;
• Technical error in the banking system;
• Malicious actions of unauthorized persons, which led to money being written off in their favor without the knowledge of the card owner.

The bank client will not return the transfer in the following cases:

• The client transferred money to a legal or to an individual as a deposit, but the transaction did not take place;
• One of the fraudulent schemes worked. The client was misled and voluntarily transferred funds to the criminals;
• When paying loan payments;
• Incorrectly filled in data when replenishing your mobile phone balance.

Miscalculation when replenishing a mobile account

This error is the most common today. In a hurry, it’s easy to mix up one or two numbers, and you won’t be able to get your money back. As proof that the transaction was carried out correctly, Sberbank sends a confirmation message to your mobile phone.

If the SMS is not received after sending the payment, then the money is debited to replenish someone else’s number. It is no longer possible to return money sent by mistake through the bank. Fortunately, there is another way. The client has the right to demand from the telecom operator a refund to his number. This method of return exists, so you don’t need to despair right away.

Solving problems with incorrect transfer between cards

Moving money between plastic cards has become very popular. Many users have already appreciated the speed of transfers and their convenience. Unfortunately, choosing this option makes it more difficult to get your money back. If money was transferred between Sberbank cards, then returning the transfer is much easier. For this purpose, the payment form has special columns with the recipient’s personal information, so you should find out the last name, first name and patronymic in advance. This will secure the procedure and speed up the process of returning the money. It is much more difficult to return money transferred to another bank. In this case, you will have to apply for a refund to the bank receiving the funds from the transfer.

Solving problems with incorrect transfers through a bank cash desk

Today you can hardly find a person who never makes mistakes. Any procedure involving two people may introduce errors. Even an experienced bank employee who serves hundreds of clients per working day is not immune from them. To avoid problems with the transfer, you should carefully check the data after filling out the payment. This will take a few minutes. Technical errors by bank employees are easy to eliminate. An incorrect transfer is held in a special reserve account, from where the money can be returned to the owner for re-sending.

Options for getting your money back if you make a mistake

Let's take a closer look at ways to return incorrectly sent amounts of money.

Through your personal account

To return money using the Sberbank online system, follow the instructions below:

• Go to home page Sberbank official website;
• Complete the authorization procedure;
• View recent payments, find the one you need and check its status. If the payment is marked “In progress”, then the money has been written off, but it can be returned;
• If checking the details shows that they are incorrect, then the transfer procedure should be cancelled;
• To cancel, you must click on the transfer and select the “Cancel” action option. Then the system will ask you to confirm the cancellation, which is what you need to do;
• To check the result, you should go to the archive section and check the status of the operation. The “Revoked” mark should appear next to the payment;
• If the funds have already been transferred, then you need to act differently. You won't be able to return the money yourself. You should contact Sberbank employees in person or by phone;
• If the application is accepted, you need to check the translation status. Next to the payment there should be a mark “Application rejected” or “Rejected by the bank”.

Canceling a transfer by phone

To service clients and solve pressing problems, Sberbank has provided a multi-channel Hotline. Bank employees will answer any questions about the operation of the system and help you return money in case of an error. After connecting to the operator, you need to confirm your identity. To do this you will have to answer a number of questions. The task is much simpler if money was transferred between Sberbank cards.

To speed up the process, you will have to indicate the time of sending the payment, the amount and code. This information is always on the payment receipt or on the ATM receipt. If money is stolen from a card, you need to act especially quickly. To do this, you need to call or go to the bank, and also write a statement of theft to the police.

Canceling an incorrect transfer at a Sberbank branch

You can always cancel this procedure at a Sberbank branch. If an error was made when entering the details, then the money will simply stay in a special reserve account. To get a refund you need to write standard application about return. It may take up to a month to process your application. If the funds reach a real client of the bank, they can be returned by contacting him. If you refuse, you should go to court.

How to reduce the possibility of errors when sending a transfer

To avoid having to deal with transaction cancellations, you should follow simple rules:

• Be careful when filling out the transfer form and check the data before sending;
• When paying for goods online, the system usually requires confirmation. To do this, a code is sent via SMS. The card user is given additional opportunity to check the details and should not be neglected;
• You need to be careful about keeping your login information and plastic card details confidential.

Sberbank is constantly protecting the interests of its clients, so it has introduced a multi-stage security system. Part of it is receiving SMS when making transactions. If ill-wishers withdraw money from the card, the owner will know about it very quickly and will be able to react.

Conclusion

Non-cash transfers have long been part of our lives. They are convenient, fast and safe. To minimize the number of errors, you should take your time when sending a payment and check the data. Simple problems can be fixed on your own. In other cases, you will have to go to the bank or even to court.

This is a fairly common problem that anyone can encounter. So we highly recommend reading this article to the end. There may be several problems:

• The transferred money was transferred to the wrong account due to an error.
• The client incorrectly transferred a significantly large amount of funds.
• The purchase of services and payment for goods have been cancelled.
• Fraudsters have written off your funds or you have sent them to their account.

If you provided incorrect data during the transfer and such an account or card simply does not exist, then the money is frozen for 10 days. And later they are sent back to your account and there is nothing wrong with that.

If there is such an account, then you will have to prove to the bank that you transferred the money by mistake. If the bank refuses help, you will have to go to court. How to cancel a transfer from a bank card to a card, account or online wallet and is it possible to cancel the transaction?

By phone

You can try to return money to a Sberbank bank card using your phone hotline:

• 900 (from mobile phones)
• 8 800 555 555 0 (from any other phones)
• +7 495 500 555 0 (call from another country)

NOTE! If you have another bank, then you also call the hotline number to cancel the transfer. It should be indicated on the plastic itself. You can also look at the numbers on the website or call help desk In your city.

Next, you will need to contact the operator and name your problem. You need to call from the phone number you specified in the contract. It is also linked to the card and the SMS banking service can be connected to it. The operator may ask you to state the transaction amount, your last name, first name, and also a code word. If there was a slight delay in the transaction, it will be frozen immediately.

NOTE! The sooner you contact, the more likely it is that you will be refunded the wrong money. But you must apply no later than 24 hours from the moment the transfer is made. If you contact us later, no one will help you. It is also worth contacting the police if the money was written off to scammers.

At a bank branch

How to return transferred money? Take your passport and card with you if you have one and it has not been stolen. It is best to visit the branch where you received the plastic. The fact is that in this case the problem will be solved at the place where your account is held and everything will be faster, but it can be done in any other branch.

But be prepared that you may be refused, in which case you can go to court. Here you need to decide whether it is worth it, as usually litigation are worth more than the small amounts of money lost.

Through Sberbank-online

How to cancel a transaction via online banking? To do this you need:

1. Let's go to Personal Area Internet banking.
2. Next, you need to check the transaction status. If it is marked “In progress”, then you can easily cancel it. To do this, you need to click on it and then click on the “Cancel” button in the window. Next, you need to check the box next to “Confirm review”.
3. Next, go to the transaction history and look at the status. If a payment or transaction is canceled, then everything is fine and the money will soon return to your account and will be refunded.

If the transfer has already been made, and it went to the wrong citizen or a fraudster, then you will need to contact the bank. It’s better to immediately go to a bank branch and write a statement. The most important thing is not to hesitate.

Received an incorrect translation

In this case, you should contact the bank and find out where the money came from and perhaps it was sent by strangers. You may also be contacted by the person who transferred money to you by mistake. It is better to make a refund through the bank and according to the appropriate application, so that they are already transferred to the account of the person who mistakenly transferred them to you.

• Before sending funds, be sure to check the details: card number, account number, etc. When transferring to Sberbank online to Sberbank cards or accounts, the holder’s Name and Patronymic is usually displayed. Using this data, you can check the accuracy of the details.
• After losing money or receiving an erroneous debit, contact the bank immediately and do not wait long.
• When making large purchases, be sure to draw up a contract. You should not give money to a stranger simply on trust.
• Do not send or send plastic details to anyone. 3D-Secure will not protect your funds if the attacker uses foreign sites, which also rarely ask for a CVC2 or CVV2 code.
• If you have lost your card or had it stolen, immediately call the hotline number or block it. This can also be done via SMS and online banking.

No person is immune from some wrong actions in life. Sometimes mistakes happen when working with bank cards. It is no secret that any financial transactions, especially those occurring remotely, require special attention. But incidents sometimes happen to the most attentive payers. Sadly, when there are inaccuracies in processing a payment for a large amount, and the money goes to a complete stranger, it becomes extremely difficult to get it back.

Therefore, every Sberbank card holder who practices remote transfers should know how to cancel a payment in Sberbank Online. In such unpleasant situations, of course, first of all, you should not panic, but maintain a sober mind and emotions. Otherwise, you can commit rash actions that will lead to blocking of the card.

In some situations, the procedure for returning an erroneous payment is very quick and easy

For what reasons is it necessary to cancel a payment in Sberbank-Online

Situations when you need to cancel a transaction on a Sberbank card happen often. This is mainly due to reasons such as:

1. The recipient's details were entered incorrectly when filling out the payment form.
2. Out of habit, the payment was made using old and no longer valid data.
3. Incorrect smartphone number when replenishing its balance.
4. The payer sent payment according to the invoice provided to the fraudster.
5. An incorrect amount was specified for transfer.
6. An error on the part of the bank employee himself.

Nuances of the procedure

Before figuring out how to cancel a transfer to Sberbank Online, it’s worth knowing the specifics of the remote transaction procedure itself. In draft mode, when payment form is not fully formed, and the transaction itself is not confirmed by the password code from the SMS, canceling the transfer is much easier than after the money has been withdrawn according to the specified data.

You can recall a payment in Sberbank Online very quickly, saving money, when the payment procedure has not yet been finalized and is in draft status.

You can cancel the transfer yourself if the payment has not moved to the “Completed” status.

When the transfer has not yet been completed

You can easily cancel a transaction in Sberbank Online when making a payment while the transaction is still being processed. That is, until it is confirmed with a one-time captcha password (it comes via SMS). By the way, it’s worth knowing that even after sending a completed payment (if it took place late in the evening), there are chances of it being returned. Indeed, in this case, bank processing of the transaction will take place only the next morning.

To find out whether there is a chance of refusing a transfer, you need to track its status. It can be seen in the payer’s personal account. You can interrupt the operation yourself and return the payment only if the transfer status is “Executed by the bank”. If the status is in the form “Awaiting processing”, you should wait until it changes to “Executed by the bank” and cancel.

When the transfer has already been completed

Is it possible to cancel a payment in Sberbank Online if the operation is confirmed with a password and has received the status “Executed”? in this case, there is also the possibility of returning the erroneously sent amount. True, it will not be possible to do this on your own, through the user’s personal account. You will have to contact the bank for help. But it is worth knowing that each case of erroneous translation is individual and has its own nuances. In particular:

1. Sending money to scammers. If the client was successfully manipulated by swindlers and extracted from him a certain amount of money that the user himself transferred to them, you should immediately go to the bank and write a corresponding statement. It is worth remembering that the payer has exactly 24 hours from the moment the payment is confirmed to return the money. Otherwise, you will have to contact the courts and seek a refund with their help.
2. Incorrect details. This is the simplest way to resolve the problem. Indeed, in this case, the funds do not go anywhere, but “hang” on the way, because there are no recipients as such. Usually, after 10 banking days, a payment sent to incorrectly specified details is automatically returned to the sender’s account. But it’s better to call technical support or go to the bank to make sure that the funds are really “hanging.”
3. Details of another person. Sometimes situations happen when an error in one number leads to the transfer being received by a complete stranger, a stranger. You need to call the hotline and explain the situation. Typically, the proceedings last no more than 10 days and the money, as a rule, is returned to the absent-minded sender.
4. Errors also happen due to the fault of bank employees. Mainly when the transfer is carried out by a cashier. Before putting your signature on the check, you should carefully check all the specified details. If an error is discovered after the sending procedure, you must also come to the bank and fill out an appropriate application for the return of the erroneously sent amount.

Before attempting to cancel a payment, you should know its status

How to cancel a payment in Sberbank-Online

This is the easiest and fastest way to refuse an erroneous translation. Proceed according to the following instructions:

1. Log in to the site.
2. Go to the “Operation History” subsection.
3. Mark the required (erroneous) transaction and view its status. Remember that if the payment is in the “Completed” status, you will not be able to cancel it on your own.
4. Then you need to click on the erroneous transaction and use the mouse to activate the “Cancel payment” option.

It only takes a couple of minutes to change the status of an erroneous transfer in Sberbank Online. But provided that the transfer status has not yet changed to “Completed”.

Cancellation procedure via Mobile Banking

You can also cancel a payment when using mobile banking. You need to follow the following steps:

1. Log in to the service application.
2. Check the status of the application for funds transfer.
3. If the transfer has not yet been completed, mark erroneous payment and open it.
4. All you have to do is click on the option “Cancel”, “Confirm review”.
5. The operation will be cancelled, and the “Revoked” mark will appear opposite the transfer.

Before entering payment confirmation, you should carefully double-check all details

Can technical support help?

You should contact the customer support department operators in cases where the money has already been sent and there is no way to return it yourself. The call is made to 8-800-555-55-50. Before dialing the call center number, you should first prepare some information:

• your passport and personal data;
• full account/card number from which the erroneous payment was made;
• code word (answer to a security question), it was received at the stage of registration and issuance of a plastic card;
• all exact information about the error made during the transfer: number of the receipt, check, electronic payment document and any other information that can confirm the transfers).

When asking call center employees for help, you should understand that the operator can only block the transfer and prevent it from reaching the erroneously specified address, but not return the funds.

But, if the transfer has already been completed in full, and the money is received by a stranger, the technical support employee will not be able to do anything. You will have to contact the recipient, explain to him and ask him to return the erroneous funds. If a person flatly refuses to return the money, he will have to go to court. But after comparing upcoming expenses to court with the lost amount.

If the transfer has received the Executed status, you should contact the bank as soon as possible to cancel it

Refund of money upon personal request at the bank office

In a situation where an erroneous transfer has already received the “Completed” status, you can no longer do without a visit to the Sberbank office. An absent-minded payer has two options for further developments. In particular:

1. If an erroneous translation is stuck somewhere, then a corresponding statement must be written. After 10 banking days, the payment will be returned to the sender.
2. If the amount has already been received by a stranger, the statement will not save the situation. And the bank cannot help in any way, even give the exact coordinates of the recipient (disclose personal information banking structure can only upon request from the authorities). In this case, you will have to independently contact the recipient and negotiate with him about the return of the money.

When cancellation of payment becomes impossible

Every person can make mistakes, no one is immune from this. Only in some cases it is no longer possible to correct the error. This also applies to erroneously made payments. It's about about those cases when the mistakenly transferred amount has already fallen into the hands of an unfamiliar recipient.

A refund of the amount sent by mistake becomes possible only before the money is received, when it is still possible to block the receipt of funds. Once they have already been received, it becomes extremely difficult to return them.

If the translation is incorrect and you cannot correct the situation yourself, you should definitely visit Sberbank and fill out an application for a refund

1. Call technical support and try to revoke the transaction (if the bank is still able to do so).
2. Go to the police and file a report of fraud that resulted in moral and material damage.
3. Come to Sberbank and consult with an employee about further actions.

It is worth remembering that a statement about fraudulent activities drawn up and accepted by the police greatly increases the chances of returning the amount mistakenly sent to the scammers. This is especially true, because it is unlikely that through simple negotiations the scammers will awaken their conscience and return the money themselves.

conclusions

Mistakes can happen to anyone. Some of them can be fixed immediately, others require a lot of time and nerves. Erroneous actions related to personal finances become especially sad. But, knowing all the nuances of the cancellation procedure money transfers, you can cancel the transaction in a timely manner and return the money sent by mistake, even if the transfer is already in the “Executed” status. But of course, first of all, you should approach monetary transactions responsibly and carefully check all the specified details.

How to cancel a payment and return money through Sberbank Online if you put it on the wrong number

When making money transfers yourself, be careful when filling out payment details and the transfer amount. A lot of clients are interested in how to cancel a payment to Sberbank Online if it has been executed. The problem is that it is very difficult to cancel a completed process; it is better to prevent such a need from occurring.

The need to cancel a transaction may arise in the following situations:

1. Incorrect information provided:

• No card,
• checking account,
• recipient's name,
• sum.

1. The deal was canceled and the advance was paid.
2. The operation was carried out using non-existent details;
3. Fraudsters stole money from the account;
4. You thought about buying something and paid for the goods, but later recognized the fraud scheme;

If one of the above situations occurs, the main thing is not to panic, but to react quickly. The chances of getting your funds back increase in direct proportion to the speed of taking the measures described below.

Ways to return incorrectly paid funds:

• Call support;
• Through your personal account Sberbank Online;
• In the department;
• In some cases, clients go to court, this is advisable in case of loss of a large amount (court costs are not small).

Most transactions are carried out very quickly, so it is important to be familiar in advance with how to return money if you deposited it on the wrong number through Sberbank Online. Mobile replenishment and transfers between your accounts are carried out instantly, and you can withdraw them in unilaterally impossible.

How to cancel a transaction in Sberbank Online

Internet user account is convenient way managing your finances. Clients often use this service: when purchasing goods, paying for utilities or other services, replenishing mobile phones, when transferring to someone else’s card, making payments under an agreement. If you are making a payment for the first time and there is no template, it is important to check your payment details especially carefully so as not to make a mistake.

To confirm the transaction, the banking institution requests the code received via SMS. This action should highlight the need for additional verification of payment information.

It is possible to recall a transaction in online banking if it is unfinished/in progress and has the following status: in progress, interrupted, recalled, rejected.

How to cancel a transfer to Sberbank Online:

1. Open your personal account;
2. Select the “Operation History” tab;
3. Find an incorrect action and look at its status: (1) “In progress” - you recall it yourself, (2) “Completed” - you need to call the call center;
4. Click on the transaction, a new window opens, select “Cancel” and confirm the review;
5. After 2-3 minutes the status should change to “Revoked”.

How to cancel a transaction in Sberbank online on your phone via SMS 900

Payment can be blocked by phone immediately after sending to online account. Promptly call the bank support operator and cancel the operation. On average, the payment period takes 3-4 minutes (with the exception of instant ones), and some are carried out only during business hours; if you send a payment at 21.00, it will be processed no earlier than 9.00 in the morning. Until the bank carries out the operation, it can be cancelled.

If the payment has the status “Executed”, then it is almost impossible to return the money.

How to cancel a transaction by phone:

• Call the main support number 88005555550;
• Waiting for connection with the operator;
• Provide your card number, passport details, answer your security question, you may also need information on your latest transactions;
• If the money has not yet arrived in the recipient’s account, the operator blocks the operation; to return the funds, you need to contact the branch.

The telephone cancellation method is the main method when conducting transactions through payment terminal. In this case, it is important to save the receipt in order to be able to tell the operator the necessary details, for example:

1. Date and time;
2. Transaction number;
3. Address of the terminal or other self-service device;
4. Exact amount.

Transactions cannot be canceled via SMS to phone 900. The bank sends a confirmation code in an SMS message - this is an additional reminder of the need to check the correctness of the details.

A hotline specialist will be able to explain to you a detailed action plan on how to cancel a money transfer from card to Sberbank card.

Recall a transfer through a bank branch

A bank employee is contacted personally in the following cases:

• After blocking the payment in the call center, you need to go to the bank to write an application; the review procedure takes about 10 days;
• If non-existent details are entered, in this case the money is reserved in a special bank account; to return it, you need to submit an application in a certain form;
• You can immediately contact a stationary service point and write an application to cancel the payment; the refund period may take about a month;
• If the money was sent to scammers, and it is impossible to cancel the payment through the call center, you need to go to the police and then to the bank. You have 24 hours to complete your application.

If a payment is cancelled, the paid commission cannot be refunded.

If you transferred money to the wrong place and the payment is impossible to return to Sberbank Online, most likely you won’t be able to do this at a stationary service point either. In this situation, you can contact a random recipient (to whose account the money was credited) and try to negotiate with him about the return of the funds.

If a situation arises with an incorrect translation, the main thing is not to panic, but to act quickly; speed, in this case, increases the chances of getting your money back.