YOGYAKARTA – The presence of internet banking and mobile banking makes it easier for customers to make transactions, including transferring a certain amount of money to another desired account. However, this convenience often backfires when customers are not careful about using the service. Not a few customers who transfer money incorrectly because they enter the wrong account number.

If this happens, you don't need to panic. This is because funds lost due to wrong transfers can be returned.

In the following article, we will review how to return money that was transferred incorrectly due to not being careful when entering the destination account number.

How to Return Wrong Money Transfer

Originally, money transfer errors can occur due to two factors. First, because of customer error. The second factor is banking error.

If a transfer error is made by the bank, the bank must immediately carry out and arrange a settlement mechanism.

However, if the transfer error is made by the customer, you can ask the bank for help to arrange a refund.

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Illustration (Photo: Pixabay/emAji)

Summarized from various sources, Monday, 20 February 2023, here are the steps you can take to return money that was transferred incorrectly:

  1. Make a Report to the Bank

The first thing you should do when you transfer money incorrectly is to make a report to the bank you use.

Related to this, you can make a report by contacting the call center or the relevant bank customer service. You can also come directly to the nearest bank branch office so that your report can be handled immediately.

  1. Explaining the Chronology of Wrong Transfers

After reporting a transfer error, you must clearly explain the chronology, so that customer service can understand what happened. Provide detailed information, such as the transfer time, account number, and the transfer method you are using.

  1. Prepare Personal Identity and Evidence of Wrong Transfer

When you make a report to the nearest bank branch office, bring your identity in the form of a KTP, ATM and savings book.

In addition, also bring supporting evidence, such as proof of transfer. If you report an incident of an incorrect transfer via the call center, the bank will ask you to send the required data to the official email address of the relevant bank.

  1. Wait for the Verification Process

After you report a wrong transfer incident in detail, the bank officer will usually verify all the data and information submitted.

At this stage, wait patiently for this verification process. The bank will help you resolve the problem of the transfer error in accordance with the Standard Operating Procedure (SOP) of each bank.

  1. The Bank will Be the Intermediary

In case of a wrong transfer, the bank cannot immediately withdraw funds from the recipient's account. The bank as the organizer of the sender will be an intermediary connecting you with the wrong recipient of the funds.

If the recipient of the wrong transfer of funds does not want to return it, he will be sentenced to a maximum of 5 years in prison or a maximum fine of IDR 5 billion.

This provision is stated in Article 85 of Law Number 3 of 2011 concerning Fund Transfers.

The article reads: Any person who deliberately controls and recognizes as his own the transferred funds that he knows or should know is not his right to be punished shall be subject to imprisonment for a maximum of 5 (five) years or a fine of up to Rp. 5,000,000,000.00 (five billion rupiahs).”

  1. Wait for a Wrong Transfer Money Refund

If you have followed all the instructions given by the bank, all you have to do is wait patiently for the wrong money transfer process.

This is information on how to return the money due to wrong transfer. To get other interesting news, read on VOI.ID.


The English, Chinese, Japanese, Arabic, and French versions are automatically generated by the AI. So there may still be inaccuracies in translating, please always see Indonesian as our main language. (system supported by DigitalSiber.id)