Sberbank wrong payment. How to return an erroneous payment in Sberbank? Sending to non-existent payment data

Eh, there was not, I'm buying! In obedience to a momentary desire, you are already paying for a cool smartphone in Sberbank Online. Half an hour later, common sense returns, and you realize that you sent the transfer to someone who doesn't know... Or suddenly you remember that you put this amount aside for something completely different... Or you see that you made a banal mistake and sent the money to the wrong place... Familiar? What to do in such situations? How to cancel a payment in Sberbank Online?

Can I cancel a payment in Sberbank Online?

Let's start with the fact that the procedure and conditions for the provision of the Sberbank Online service depend on which agreement was concluded with the bank. This can be “RBS for individuals”, “Agreement for the provision of SB Online services” or (if the previous two agreements have not been concluded) “Agreement for the issuance and maintenance of bank cards”.

Each of them has a clause that says that in the event of an unreasonable or erroneous transfer of funds through the Sberbank Online system, the owner must himself resolve the issue of the return with the recipient.

Really deadlock and payment can not be returned? Actually, it's not all that bad.

How to "stop" the transaction if the payment has not been executed yet?

If the transfer is in the status "Executed by the bank", it can be withdrawn without any problems. For this you need:

• go to the history of operations;
• select the desired payment;
• click the "Cancel" button.

As a result, the transaction will not be submitted for processing, and after a while your money will be returned back to your account. I must say that with the status "In progress" the operation usually hangs for a very short time, so you should hurry.

How to return an erroneous payment?

You sent a payment, and later noticed that you made a mistake and entered incorrect details? If the addressee with such data does not exist, you are lucky: the funds will go to the “Until clarification” account and will be returned back after a maximum of 5 days. If this does not happen, fill out an application for the search for payment.

If, as a result of an error, the money still fell about the “left” recipient, read below.

What if the operation fails?

So, you have decided to cancel the payment, but the operation in Sberbank Online is already hanging with the status "Executed". What to do? In this case, there are two options for the development of events:

• The funds did not have time to reach the recipient. It all depends on how quickly you act. If you have time to call the bank and cancel the operation before the transfer goes to the addressee, then Sberbank will return the funds to you. According to the Hotline employee, there are more chances to return the money if less than a day has passed. After the call, be sure to submit an application for the withdrawal of payment also in writing or electronically.

The bank must send you a notification no later than the next business day about the date of withdrawal of your transfer or about the impossibility of returning it.

Important! According to your application, the bank can revoke the transfer only if the period of its irrevocable has not come (clause 2.14 of Regulation No. 383-P “On the rules for making a transfer Money»).

We see the same thing in the contract:

At the same time, irrevocable begins from the moment the money is debited from the payer's bank account (clause 7, article 5 of the Federal Law No. 161 "On the National Payment System").

• The recipient received the money. If the transfer has already been completed, then the bank cannot cancel it, because. does not have the right to withdraw funds from customer accounts, except by order of the court. What to do in this case?

Legal entities usually return the payment without problems (especially if the goods have not yet been sent or the service has not been rendered), but it happens differently with individuals. Therefore, when communicating with the new owner of your money, refer to Art. 1102 of the Civil Code of the Russian Federation "Obligation to return unjust enrichment".

Well, what if the recipient refuses to give money or you don’t know where to look for him at all? After all, information about the recipient is confidential and the bank can provide them only at the official request of law enforcement agencies.

In this case, you can submit a disputed transaction statement in one of the following ways:

• in form feedback in SB Online ("Envelope" icon in the upper right part);
• on the official website of Sberbank
• in the contact center at number 900 (for subscribers of Yota, MTS, Beeline, Megafon, Tele2, Motive);
• at the branch of Sberbank.

If, as a result of consideration of such an application, the bank could not help you in any way, it remains to contact law enforcement agencies and the court.

How to return money using chargeback

If you transferred funds from a card through Sberbank Online to an online store, and not to an individual, then there is another way to get your money back: the chargeback procedure.

So, you paid for the purchase with a Visa or Mastercard, but:

• the seller is in no hurry to send you the goods;
• changed your mind and want to return the money, but the online store refuses you this;
• you are not satisfied with the amount or date of the operation;
• payment was debited from the card 2 times;
• received the goods, but the wrong one (or the wrong quality), and the seller does not want to accept it ...

In all these cases, you can contact Sberbank and initiate the chargeback procedure. You must write an application with detailed description situations and submit all documents and evidence. The more of them, the better. These can be screenshots of correspondence with the store, with the bank, photographs, checks, account statements, etc.

The meaning of the procedure is that your bank sends a claim to the Ministry of Railways, which, after analyzing the received documents, sends them to the acquiring bank. He makes a request to the respondent. Next, the online store must prove that it provided you with the paid service in full. If the evidence is inconclusive or the defendant does not respond to the request, then the amount is forcibly returned to the buyer.

Cancellation of mobile communication payment

Another common situation is when, when paying mobile communications a person sends the wrong amount through Sberbank Online or sends money to the wrong number. To cancel such a payment, you will have to contact the operator, namely, go to the communication salon with a check and a passport.

The owners of Megafon SIM cards are more fortunate, because. there is a special return service. When sending money to the wrong phone, users can call the toll-free number 8-800-550-70-95 and reissue the payment. But this can only be done if the following conditions are met:

• no more than 2 weeks have passed after payment;
• dialing the number, you made a mistake no more than 2 digits;
• both numbers (both yours and the wrong one) belong to Megafon and are registered to individuals.

In all other cases, it is possible to return the payment only through the communication salon.

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We are all living people, and are not immune from mistakes. Some mistakes are easy to correct, others are more difficult, but there is a way out of any, even the most difficult situation.

What are the errors? Today I will tell you how to fix the mistakes made when transferring money through the Internet Bank, that is, how to cancel a payment to Sberbank online.

What mistakes can be made? Approximately like this:

• Incorrect details of the recipient's account;
• Last name or first name of the recipient;
• Transfer amount;
• Make a deposit for unfulfilled services;
• Fall for the bait of scammers.

Although, of course, the last two points are more likely not a mistake, but an action performed under the influence of deception, which also requires cancellation.

Let's dwell on each point in more detail.

If you have specified incorrect details of the recipient, then there is a possibility that there are no such details. In this case, your money will be returned to your account within ten days. But you still need to contact the Sberbank branch, write an application for a refund.

If the specified details matched the real data of a person, then you will have to prove your right to a refund. Hoping for a person's honesty, or resolving the issue in court.

Let's take a look at all the steps you should take as soon as you notice the error.

If you made a money transfer online and immediately noticed an error, it is possible to cancel the payment as follows:

• click on payment
• press the "cancel" button;
• check the box "confirm review";
• after a while you will find the translation in the archive marked "withdrawn".

If you did not immediately notice the error, and the money went to the bank, then you need to do the following:

• Call the bank on the round-the-clock "hot line" - 8 800 555 55 50;
• Ask to stop the transfer;
• The operator will ask you a question, the answer to which only you can know, this is done in order to check that you are not a fraudster;
• After a certain time, the money will be returned to the account, and the transfer will be marked as "rejected" or "cancelled".

If you did not notice your mistake, and after a while the recipient informed you that the money had not been credited to his account, you will have to visit a bank branch to search for your money.

Have identification documents with you. In order to find your money quickly, you should write out exact time transactions, transaction code, other data related to the payment.

You can print, take a picture of the check on your phone, which is sent to your mail after each operation.

At the bank, you will have to write an application, according to the proposed form, with a request to cancel the transfer. Applications are considered within ten days to one month.

Usually, the money is returned to the account after a month. You can return the funds if the money was transferred from one Sberbank account to another. That is, if it is a transfer of money between the accounts of Sberbank customers.

However, if your money is gone real person, to a client of another bank, or to a mobile account, it will be quite difficult to get them. Hoping for the decency of a person, you can contact him with a request to return your money.

If a person does not return the funds, you can apply to the court and solve the problem in court. However, you should calculate the legal costs, the loss of your time and nerves.

If the legal costs turn out to be more than the amount of money returned, then it is worth considering the need to conduct legal proceedings.

If you were deceived by scammers, you must report theft, deceit, fraud within 24 hours. You need to call hotline(your appeal will be recorded), contacting the police, write a statement about the actions of scammers against you. The probability that you will get your money back is small, but it's worth a try.

In order not to fall for the bait of scammers, try to be vigilant, do not give out your passwords, pin codes.

If you receive an SMS with a code for the transaction on your phone, and you have not made a transfer, then urgently call the bank and demand to cancel all transactions, or block the account.

It is better to spend time unlocking later than to lose your money.

There are situations when you specified the details correctly, but the recipient did not receive the money. In this case, you will have to contact the bank, write an application of the appropriate form.

Indicate all details, time of departure, from where the payment was made, transaction number. Pay a certain amount for the search for a transfer, wait a few days, usually two, three days. As a rule, during this period, the transfer is located and credited to the recipient's account.

In what cases is it impossible to cancel a Sberbank payment online

• Operations to repay loans;
• Transfer to the card;
• Instant transfers to electronic wallets;
• Phone transfers.

That is, if the funds are transferred to the account of another client, you will have to visit the nearest bank branch and write a corresponding application. It is worth noting that it is not always possible to return the money.

Therefore, it is extremely important to carefully draw up the translation, not to make mistakes when filling out, to check each figure. This will save you a lot of problems in the future.

I think you will no longer have the question of how to cancel a payment to Sberbank online, be careful and careful when making money transactions.

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Subscribe to my newsletter, read new articles (not forgetting the old ones). And if you have any questions, feel free to ask them in the comments, I will answer everyone. This concludes my article "How to cancel a payment to Sberbank online." Stay tuned for new posts tomorrow.

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Sberbank gives its customers the opportunity to correct an erroneously executed payment. This can be done with the help of a bank employee or remotely through the Sberbank Online Internet banking system. The article describes how to cancel a transaction online, how to return money to a card if there are inaccuracies in the details, and whether it is possible to return money stolen by scammers.

Ways to return the transferred money

Methods for returning funds that have already been transferred to the recipient:

1. By phone.
2. in person at the bank.
3. Through internet banking.

In any case, you need to have on hand a receipt for payment for the service. Usually such an erroneous payment can be successfully withdrawn.
Why Users Refund Their Payments:

• There is an error in the details. Inaccuracy in the amount of the transfer, the name of the recipient;
• a transaction for which a deposit has already been paid has been cancelled. Such an advance can be returned;
• The scammers deducted the amount from the account. Money can be returned to the card if the operation is canceled in time.

If you make a mistake in the details, the payment "hangs" on a special reserve account of Sberbank. The payment cannot be processed because there is no recipient with such data. The money will be returned to the sender after 10 days automatically.

If you entered the details with an error, but such an account / card number is real, then the money will be transferred from your account to someone else's. In this case, you need to prove your case. First, make a written application to the bank. If you can not return the money peacefully, sue.

How to cancel a payment by phone

To cancel a payment over the phone, call the Sberbank advisory line. Dial 8 800 555 55 50. Ask the operator to cancel/block the payment. The order of work in the bank is such that many transactions are checked by employees in order to exclude the actions of fraudsters. If the transaction is blocked in time at the request of the client, the money will not be written off.

To verify your identity, the call center manager will ask security questions. What exactly the question will be, it is impossible to predict. An approximate list of checks: name the code word, date of birth, passport data, name the date and amount of the last transactions on the card.

If funds are debited by scammers, try to contact the bank within 24 hours from the moment of debiting. It is also desirable to fix the appeal to the police.

If the money was debited erroneously due to your mistake, try to remember the transaction date, time, amount as accurately as possible. The problem will be solved faster if you have a check from an ATM/terminal or a cash receipt on hand. So you can name the exact time of the operation, the transaction code and other information. To return the funds, you need to act quickly.

How to return funds in person at the bank

Contact the Sberbank office in person, send an application addressed to the management with a request to cancel the payment. Such applications are considered within a month.

The manager will tell you what information to indicate in the application, or offer a form to fill out. There is a standard application form for a refund of debited funds. If the application is approved, the transfer amount will be returned, the service fee is not refundable. This option will be successful if the erroneous details do not exist in reality, and the money is “stuck” in the bank account.

It may be necessary to resolve the problem in court if the bank does not satisfy your request. Be prepared to send a receipt for the operation performed to prove your case. Before you start litigation, evaluate future costs. It is possible that the amount lost as a result of an incorrect transfer is less than the legal costs. It makes no sense to do the above steps in this case.

We return money through Internet banking

Detailed instructions on how to withdraw funds through Sberbank Online:

1. Log in to Sberbank Online.
2. Check the status of the operation you want to cancel. The system offers the option to return the completed payment. The payment can be returned if it is marked with the entry "In Progress". This means that the bank employees have not spent the money yet. Therefore, if you notice an error in the details, immediately withdraw the payment.
3. If the payment has not yet been confirmed, click on it. In the window that opens, click on the "Cancel" button, check the box next to "Confirm feedback".
4. Wait a few minutes, go to the transaction archive, find the required payment in the general history. Next to the operation should be the status "Revoked". With this action, you cancel the transaction, the funds are returned to your account, the document is not transferred to the bank.

If the payment is marked as completed, you will have to contact the bank or call the hotline. Transactions made after 9 pm are processed the next day after 9 am. During this time, you can withdraw funds. During the working day, the payment can also take a long time - from 3 to 6 hours, until the operator checks the transaction.

The operation is canceled if one of the following marks appears next to it:

1. Bank Rejected.
2. "Interrupted."
3. "The application has been cancelled." This mark occurs if the user himself rejects the payment.

Can I get a refund if it was debited from your account and sent to a real user? If the erroneous details are real and the money was transferred to a third party, you can try to contact this person with a request to voluntarily return the funds.

If you made a mistake in the form of payment and the money has already been debited, it is possible that they have been transferred to the reserve account of Sberbank of Russia. This happens if the recipient with the specified coordinates does not exist in reality. It is not always possible to return funds automatically. Report this incident to the bank. If the money is not returned, and you play for time, the funds may be recognized as the property of the bank, since the payment is not recognized.

How not to make mistakes when making a payment in Sberbank Online

When filling out the details, be careful. Check the information carefully if you use Internet banking from small screens - smartphones or tablets.

To pay for a product/service through Sberbank Online, you need to confirm the operation using an SMS password. This is one of the steps in the protection of the Sberbank Online system. The option makes it possible to check the details again before confirmation and prevent the actions of scammers.

If you received an SMS with a request to confirm the payment, and you did not perform any actions with the card, urgently call the hotline of Sberbank of Russia. Explain the situation to the operator. The employee will block the payment, and possibly the card, until the circumstances are clarified.

Do not share passwords with anyone. Bank employees do not ask for such information.

If you have lost the list of one-time passwords, contact the bank immediately. The employee will cancel the previous combinations and issue a new list.

You can return the money if the payment is transferred within the bank, when filling out the form, the details are pulled up automatically. In the absence of autocomplete, conclude that the system did not recognize the addressee. You probably made a mistake and indicated a non-existent recipient of funds. Specify the data, double-check the completed form. Such preventive measures will save you from proceedings if the money is debited to the wrong address.

As you know, people make mistakes. Sometimes, incidents happen when a person needs to organize the cancellation of a payment to Sberbank online, but not everyone knows what to do in this situation. Banal inattention and inaccuracy of the data received can lead to the entry of incorrect details of the recipient of funds. If trouble has occurred and the money has gone to the wrong address, we will try to figure out how to act in such a situation.

Who is responsible for an erroneous payment

It should be noted that in the agreement signed by individual and the financial institution itself has one curious point that in the event of an erroneous transfer of funds, the responsibility for such an event lies with the card user.

That is, you independently resolve the issue that has arisen related to the return of the amount sent to the wrong address. Usually, bank employees offer to contact the party that received the transfer and ask them to cancel the payment. When the money was transferred to the wrong account through the fault of Sberbank, or for certain reasons it hung in the air, it is possible to solve the problem by writing a statement to prescribed form and request a refund.

The most common ways to return the transferred money:

• Contact the central office of the institution by direct toll-free phone;
• Use Internet banking, if available;
• Contact the employee of the nearest branch of the bank in person.

Before proceeding with the plan for the return of an incorrectly transferred amount of funds, it is necessary to prepare a receipt providing proof of the transaction performed.

How to cancel a payment in Sberbank Online

Transfers and payments that are made using a computer online are distinguished by the highest level of convenience, but at the same time they require serious attention from the user and avoidance of errors. You can avoid an unpleasant situation for yourself if you follow some simple rules, which will be discussed below:

If the transfer is made

Making money transfers through remote payment requires the utmost care from the user of the software product. But cases of erroneous sending of money to the wrong address, nevertheless, happen. There is always a risk that you will have to pay the same amount twice. Fortunately, as we know, Sberbank is always ready to make contact and in most cases will help return personal financial resources.

Bank representatives warn that when a payment is made, not everyone can be recognized as erroneous. Sometimes, people deliberately make a deal, but then, for some reason, they want to return the money spent. In this case, the chances of a positive outcome of the operation are rapidly falling.

The developers offer several options to help cancel a payment to Sberbank online if it is executed, we will talk about them below:

• Unintentional indication of incorrect details for transferring money to the final recipient;
• There was a repeated operation that had already been completed for a certain transaction;
• Fraudulent actions that led to illegal debiting of funds from a card or account.

Below we will consider the reasons why the bank, as a rule, refuses to take actions to return the transferred funds:

At that time, if it has not already passed

Was an erroneous payment made through Sberbank Online? Should it be canceled before it has passed yet? In the personal account, it is technically possible to return the amount sent and cancel the program operations, but in the case when it was not processed by the bank employees. Recall that some types of operations may not be carried out instantly, but require several hours of time. Sometimes, even a whole working day is not enough, and in the case when the payment was sent after 21 hours, the specialists will only process it in the morning, after the start of the working day.

As you know, under each performed operation, its current status appears. If it is completed, it will be indicated - Completed, and when it is being processed, there is a signature "In progress". So how do you cancel if the payment hasn't gone through yet? The main thing is not to hesitate and when the opportunity arises to quickly enter your personal account. Further:

• Go to the page where the operation was performed;
• Check the box called Confirm feedback;
• After that, use the mouse manipulator to ensure that the Undo operation icon is clicked;
• In a few minutes, or instantly, the payment status will be changed to Revoked.

How to cancel a payment sent to a phone

Replenishment of the balance of a mobile phone is a service that is used by almost every client of Sberbank. Pay attention to the fact that such transfers are made and processed computer system instantly, as soon as a person presses the Pay button. The transfer of funds is sometimes delayed, but only when the number was disabled by the mobile operator itself and deregistered.

In this case, it will not be difficult to cancel the payment sent to the phone. When the transfer has already reached the recipient and the phone balance has been replenished, then there is no way to return your money back. It remains only to hope that the recipient will be a conscientious person and decide to return the money. Nevertheless, if the issue of a return, as they say, is an edge, you should immediately contact the bank's call center by direct phone and get advice from a staff specialist of the institution.

Conclusion

Transfers using the modern software product Sberbank Online is a modern, comfortable and convenient way financial transactions, but only when the user complies with the rules set by the developer. Be careful when sending money and you will not have to look for answers to the question of how to cancel a payment in Sberbank Online if it has already passed or is being processed.

Sberbank cares about its customers, so it allows them to correct payments that were made thoughtlessly or by mistake. This is done in several ways, which we will describe below in the article.

How can I return the money sent

There are three main methods for returning funds transferred to a recipient:

1. In telephone mode.
2. Directly at the bank.
3. Through the Sberbank Online system.

The main thing is that you have on hand a receipt confirming payment for services. In most cases, an erroneous payment can be quickly and easily revoked.

Users often ask how to cancel a payment through Sberbank, because:

• They made a mistake in the details (this may be the wrong amount of the transfer or the name of the recipient).
• The deal for which the deposit was made was cancelled. Such an advance can definitely be returned.
• The scammers managed to gain access to the card and deducted the amount from the account. In this case, it will also be possible to return the finances, but the chances are very small. (This will be a separate article).

If you make a mistake when entering the details, the payment will "hang" on the bank's reserve account. It simply will not be processed further, because the user with the entered data does not exist. After 10 days, the money will be automatically returned.

Cancellation of payment by phone

To cancel a payment in phone mode, you will need to call 8-800-555-55-50 (). You will be contacted by the operator and you will need to ask to block the transfer or cancel the payment. The bank works according to the principle that most transactions are checked by specialists to exclude the actions of fraudsters. If you block the transaction in time, the money will not be debited.

To verify your identity, the manager will ask you a series of security questions without fail. We can talk about the code word, date of birth, passport data, date and amount of the last transactions, and so on.

If the funds were debited due to your mistake, it is recommended not to forget about the time, amount and date of the transaction. The problem will be solved faster if there is a check from the terminal or ATM. So you will definitely be able to name all necessary information. The return of funds implies prompt action.

Cancellation of a payment at a Sberbank branch

Is it possible to cancel a payment in Sberbank? No problem! You will need to visit a bank branch and write an application there asking to cancel the payment. The appeal will be considered within a month.

The manager will definitely provide information about what you need to write in the application and give the form to fill out. There is a traditional form of application for a refund of finances. If the application is approved, the transfer amount will be returned. The result will definitely be successful if the erroneous details do not exist at all and the money remains in the bank account.

It is also possible to resolve the problem in court if the bank refuses to satisfy the request for any reason. Naturally, you will need to provide a receipt indicating the operation was carried out in order to prove the case. Before starting litigation, it is worth assessing the possible costs. It happens that the amount lost due to an incorrect transfer is less than the cost of litigation.

Features of a refund through Sberbank Online

Now it’s worth moving on to information on how to cancel a payment in Sberbank Online.

1. Go to Personal Area online systems.
2. Pay attention to the status of the operation that you will cancel. The payment can be returned if it says “In progress” next to it. This means that the employees have not yet made the transfer of funds. It turns out that if you see an error in the details, immediately start withdrawing the payment.
3. You need to click on the payment and in a new window click on " Cancel", and also check the box next to the inscription" Confirm Review».
4. You will need to wait a couple of minutes, after which you can go to the message archive and find the desired payment in the history. Next to the operation, you will see the status " Revoked". That's all, the transaction is canceled, and the funds will be returned to the account as soon as possible.

It may also happen that the payment will be marked as completed. Then you need to urgently contact the bank or call the hotline. Transactions made after the end of the working day will be transferred to the morning of the next day. During this time, it will be easy to withdraw finances. You also need to know that the operation will be canceled if you see the mark “interrupted”, “rejected by the bank” or “the application was canceled” next to it (this mark appears when the user independently rejects the payment).

Thus, it is really possible to cancel a Sberbank payment and do it quite easily. Nobody is immune from making mistakes. The slightest inaccuracy when entering details - and the money can go in the wrong direction. Fortunately, there is the possibility of their recall.