How to cancel a transfer to Sberbank: all options, step by step instructions, tips

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Pay for the service and make any payment using Internet banking or terminal - it's fast, easy and convenient. However, due to the mistake of the payer, the funds may be “lost”. We are all living people, and people tend to make mistakes sometimes. It happens that a considerable amount of money goes to a third-party account, not to the sender. Sometimes customers make mistakes in the details and send funds to the wrong phone number or to another current account. Many users are interested in the same question - how to cancel a Sberbank transfer and return the money spent? Is it possible to do this?

It should be noted right away that not always the transferred money can be returned, but only when the payment is recognized as erroneous. Refunds can be made at:

• Wrong details.
• Debiting funds illegally by third parties.
• An error in the Sberbank Online system.

You will not be able to return funds if:

• The money was transferred in advance, but the transaction did not happen for some reason.
• The user fell into the hands of scammers and personally transferred the money.
• Paying a loan or working with card accounts.

Cancel failed payment

Can I cancel a Sberbank transfer if the amount has not yet passed through the accounts? If an error was detected at the stage of payment processing, then you can return the funds and cancel the operation. But this is possible provided that it is made through Sberbank Online or through a mobile phone application. Payments made are not processed by bank employees immediately. Moreover, transfers made late at night will only be processed after 9:00 a.m. when the business day begins.

In the personal account, the user can check the current status of the transaction and, if it says "Executed by the bank", then cancel the transfer of funds. This can be done through the online customer service system. If the status is "Pending processing", you should wait for the change to "Executed by the bank" and cancel the transfer of funds.

Error while topping up mobile phone account

It is not uncommon for people to make mistakes when topping up their mobile phone account. The mobile operator always notifies the client with an SMS confirmation of payment. If after a certain period of time confirmation did not come, the transfer of funds was transferred to someone else's phone number. How to cancel a transfer in Sberbank to someone else's mobile accountphone number?

The bank, unfortunately, will not help in solving this problem, but you can fix everything if you contact the operator. You need to arm yourself with a passport and a payment receipt and go to a mobile phone salon.

Owners of MegaFon mobile communications are more fortunate, because there is a special refund service. When replenishing a phone number that is not yours, you can call the toll-free number 8-800-550-70-95 and reissue the completed payment.

In some cases this cannot be done for the following reasons:

• Mistake made in more than 2 digits;
• more than 2 weeks have passed since payment;
• one of the numbers does not belong to the Megafon operator;
• one of the numbers does not belong to an individual.

In these situations, you can return the payment only through the mobile phone shop.

Error when transferring funds to another card

When making a transfer from a card to a card of one bank, it is difficult to make a mistake: after filling in the data, information about the recipient is displayed - his full name and card number. If the transfer is made from a Sberbank payment instrument to a card of another banking institution, then only the latter can help.

Could it be that Sberbank canceled the transfer from card to card? This can only happen if you sent money to a non-existent recipient.

Error when transferring at the bank itself

When making a payment directly at the bank's cash desk, an error can be made by both the payer andand the bank operator who enters the details. You should carefully check the entered data after filling out the payment to be sure of their correctness and accuracy. If the error occurred due to the fault of an employee of the institution, then it is quite possible to cancel the Sberbank transfer.

How do I get back the funds that were transferred using the online service?

What to do in this case? How to cancel a transfer to Sberbank Online? In order to return the money that was transferred through the Internet service, you need to do the following:

• Log in to the Sberbank Online service.
• Find in the list of payments the payment transaction that was made by mistake, and see if it has the status "In Progress". If it is available, then the money is still on the card at the moment. To return them, you need to cancel the payment transaction.
• If there is no confirmation of payment, then you need to select a payment transaction in the list of payments, then click on the inscription "Cancel". To complete this process, you need to click "Confirm Review".

In order to make sure that the erroneous payment was canceled, you need to go to the payment archive and look at the status of the transfer that was made by mistake. If it says "Recalled" next to it, it means it has been cancelled.

How to cancel a money transfer in Sberbank when the transfer has already passed? If a payment made by mistake has the status of confirmed, you need to act differently here. In this case, to cancel the erroneous translationyou need to call the operator or personally contact the bank.

In case of a successful attempt to cancel the payment via a call to the operator in the Sberbank Online personal account, the transaction that needed to be canceled will have the status “Application rejected” or “Rejected by the bank”.

Via telephone

How can I cancel a transfer in Sberbank in another way? The next method to cancel the transaction in order to return the money is to call the operator on the bank's hotline (the phone number is listed on the official website). Since the payment transactions are being verified, you have time to cancel the erroneous payment.

If you block an incorrect transaction in time, you can save your money in your account. To confirm the identity of the cardholder, the call center operator can ask questions. If you need to cancel the sending of funds from one card to another, but at the same time they both belong to the same bank, then this is easier to do. In the event of an erroneous withdrawal of funds, information about the payment made (such as time, amount and code) will help to resolve this problem faster. The reviews often mention that Sberbank canceled the transfer by payment number.

In the case of a transaction using a terminal or ATM, the information proving the completion of this payment will be a receipt or a receipt for this operation.

If the card is used by fraudsters, you need to act quickly. You have to contact the bank within 24 hours. At the same time, it would be good to declare before thatstealing the card to the police. Customer reviews report that in some of these cases, Sberbank has canceled the transfer fee. This may be the case if the stolen amount is significant.

At a bank branch

How to cancel a money transfer from a Sberbank card? When visiting the bank in person, you can also get rid of the problem with an erroneous transaction. There are two options here.

In the case when the sender of the money indicated the payment details that do not exist, the money will be transferred to the reserve account. To return them, you need to write an application to the bank to cancel the payment. The time during which it will be considered is a month. According to some reviews, Sberbank canceled the transfer from card to card faster if the payment number was known. Moreover, both payment instruments belonged to this institution.

If existing payment data were specified, then everything is worse here. Here the problem can be solved either by contacting the person who received the money, or, if he refuses, in court.

How do I get a wrong payment back?

If you made a payment transaction, but then noticed that you entered the wrong data, what should you do? As noted above, if there is no user with such data, then the transferred money will be transferred to the reserve account and returned back after about a week. If they have not returned, then you need to fill out an application to search for a payment. In cases where the money came to an outsider, much more effort will have to be made to solve this problem.

Ifthe status of the erroneous transaction is “Executed”, what should I do in such cases? Is it possible to cancel the transfer to the Sberbank card in this case?

There are two options available. The first is relevant if the money has not reached the recipient. Here the result depends on the speed of action. If you have time to call the bank and cancel the transaction before the transfer is made to the wrong recipient, then Sberbank will return the money.

According to the hotline employee, there is a better chance of a refund if less than one day has passed. Then you need to apply for the cancellation of payment in writing or electronically. The bank should receive a notification about the date of cancellation of the monetary transaction or that it cannot be made. The bank can only cancel the transaction if the time period of its responsibility has not expired.

The time when the bank ceases to be responsible comes after the debiting of funds. Once a transaction has been made, the institution can no longer cancel it, because it does not have the right to withdraw funds from customer accounts without a court order.

What to do in this case?

How to cancel a transfer in Sberbank if the money has already been received by an outside recipient? The financial institution advises you to contact the person who received the money and decide everything about their return with him. You can purchase a copy of the erroneous transaction at a bank branch to confirm it. If the user who made the wrong operation does not know where to look for this recipient, or the latter does not give money, then you can leave a request with the bank for a disputed transaction. If athe bank could not help, you can contact the police and the court.

Chargeback as one of the ways to get your money back

The method of returning using a chargeback is possible only if payment using Sberbank Online was made in online stores, and not by a private person.

This case will work if you have one of the following situations:

• if payment has been made, but the seller does not send the goods to the consumer (delays the shipment);
• if there have been changes and the buyer refuses the order, and the store does not want to return the funds;
• if the product does not have the same qualities or is not at all what was ordered.

How can I cancel a transfer from a Sberbank card in this case? You can contact the bank office and ask for a service such as chargeback. It is important to remember that the more documents confirming the grounds for the procedure, the greater the chance of approval. This can be any, even the most unimportant document: checks, screenshots of correspondence with the store / seller, screenshots of correspondence with the bank, photographs of goods that differ from expectations, bank statements, bank account documents - that is, all evidence that the situation and procedure is in place.

Then, if the bank is convinced that the funds should be returned to the account, it makes a request to the IPU. The latter, in turn, also analyzes the situation. If the content of the client's application is confirmed, all documents are sent to the acquiring bank. In its turn,the bank makes a request to its client. The online store must prove that all the services for which the money was paid were carried out. If there is no evidence or the organization does not respond to the request, then the amount from the account of the online store is returned to the account of the buyer.

How to avoid canceling a transaction?

Above are all kinds of ways to cancel a transfer in Sberbank. However, it is better to prevent such a situation than to try to solve the problem later. You should be careful when filling in the details, especially if you are paying from a phone or tablet. The small screen complicates the task in this situation. When creating a card, it is necessary to connect SMS protection so that a confirmation code is sent to the phone number with each payment. This helps to avoid fraud and allows you to re-verify data that has been entered.

If a message with a code is sent to the phone number, but the user has not made any card payment operation, then it is worth calling the bank service and informing them that they are trying to pay from your account or card and this operation should not be carried out. The bank will block this payment.

You should never share your card password with strangers, even bank employees. If the list of one-time passwords is lost, when contacting the bank, the employee will issue a new one. Details that are entered automatically regularly should also be checked in order to avoid errors.

"Sberbank Online" is one of the most modern and secure payment systems, if correctand strictly comply with all security rules for transferring funds. If you follow all the instructions, there will be much fewer errors. But if a certain situation has occurred, you need to know how to do the right thing and which option to choose to fix the problem.

When making a payment at the bank's cash desk, be sure to look at the payment receipt that the specialist will issue after the operation is completed. It must be remembered that even an experienced bank employee can make a mistake, so it is better to check the payment details. When an error is quickly discovered, it is much easier to fix it. In any case, do not waste time and do not wait, but contact the bank in any of the available ways.