The money was transferred but not credited to the account. financial literacy. What to do if the terminal "ate" the money and they were not credited to the account. Money does not come to the Sberbank card: what to do

Question: Here's my problem. I made a purchase through an online store, and 5 days ago I transferred money through Sberbank Online to an account with Alfa Bank, the money has not yet arrived. My payment through the system went through, the money was debited! All the details of the recipient were specified correctly, I checked it.

Exactly the same story with Promsvyazbank, only the money was transferred to the account about 7 days ago ??? The money never reached the recipient! What should I do? Is it possible to return the money?

Answer: If, according to the payer's transfer executed by the bank, the money did not reach the recipient of another bank, then the transfer must be sought. Both the sender of the transfer and the recipient can search for a failed payment. But it is better if the sender of funds is engaged in the search for funds, i.e. payer. Once again, make sure that when filling out the order to the bank to transfer money, you did not make mistakes in the details of the recipient, and then start acting.

To begin with, transfers from clients' bank accounts are carried out by banks on the basis of orders for the transfer of funds (abbreviated as an order) drawn up by paying customers. When making transfers, there are often situations when:

• The payer's order to transfer funds by the sender's bank has been executed, i.e. funds were debited from the account, through they were transferred, but the money did not reach the recipient;


• The payer decides to cancel his order to transfer funds, but the money has already been debited from the account by the bank and possibly even transferred through the correspondent account;

In these cases, a natural question arises: is it possible to return the money if the order of the sender of the transfer of funds by the bank has already been executed? Yes, you can return the money, but only in the following cases:

1. Until the transfer becomes irrevocable.

   Clause 2.14 of the Regulation of the Central Bank of the Russian Federation of June 19, 2012 N 383 "On the rules for the transfer of funds" stipulates that the irrevocable transfer of funds occurs from the moment the transfer is credited to the recipient's account. Therefore, it is necessary to hurry with the execution of the withdrawal of the translation.

   The revocation of the order of the sender of the transfer is carried out on the basis of an application for revocation (in electronic form or on paper) submitted to the bank, which is also stipulated in paragraph 2.14 of the Regulations of the Central Bank of the Russian Federation of June 19, 2012 N 383. Be sure to receive an official document with the date of receipt of the application for translation feedback. A copy of one of the documents confirming the execution of the transfer and the debiting of funds from the account should be attached to the application:

   
   
   • Payment order with a bank mark on the date of execution of the transfer order;
   
   
   • A statement certified by the bank on debiting funds from the account.
   
   

   Sometimes a situation arises when the money did not reach the recipient, whose account is in another bank, but the bank employees do not really want to deal with processing requests and searching for a transfer. Instead, the bank tries to send the client/transfer sender to the beneficiary's bank to search for their own transfer by issuing him a certificate of crediting the transfer to the correspondent account of the beneficiary's bank. I immediately warn you that in no case should you agree to this, since the search for a transfer can and should be carried out only by the bank of the sender of funds, which accepted and executed the order for the transfer.

   Since you are not an authorized representative of the recipient of funds, the recipient's bank will refuse to provide you with any information on crediting funds to the recipient's account, referring to bank secrecy, and he will be right, and you will only lose time. (Part 2, Article 857 of the Civil Code of the Russian Federation (CC RF) dated 26.01.1996 N 14-FZ and dated 02.12.1990 N 395-1).
   

   Banking secrecy is a ban on providing third parties with confidential information about accounts, deposits and operations of clients of credit institutions, as well as a ban on disclosing information about the clients themselves and their relatives.

   
   
   If the bank is not very promptly engaged in the execution of your order to return the transfer, then you need to be persistent and rush the bank employees.

   If it is impossible to execute the application for withdrawing the transfer due to its non-refundability, the bank must, having received information from the recipient bank, issue you a certificate stating that the transfer was credited using the details of the transfer recipient that were indicated in the transfer application, and also inform the client date and amount of funds. In this case, further proceedings on the payment should be carried out between the client-sender and the client-recipient of funds independently without the participation of the bank. This may mean that the recipient of the funds did not see the transfer of funds or pretends that the funds were not credited to the account.



2. When a transfer is credited to the wrong client.

   The bank (recipient or sender) made a mistake, and the transfer was credited to the wrong client, who indicated the sender in his order for the transfer. In this case, the Bank is guilty of the mistake, and it is obliged to independently resolve the issue of returning funds from the account of the erroneous client, but the funds must be returned to the sender of the transfer without delay. In case of a delay in the return of funds, the client has the right to present a claim to the bank for compensation for all losses incurred.

   Since this is important, I repeat once again that at the time of the formation of a payment document / order for the transfer of money in the "" system, it is necessary to double-check the data of the recipient of money for the correctness of their filling. Contact the recipient, double-check the details, then check their filling in the generated document, and only after that make the payment. This will save you from problems when applying for a refund of a transfer.

   The fact is that all holders of bank cards of Sberbank of Russia, when registering a card account, sign under such a clause set forth in the "Terms and Conditions for Using Bank Cards of OJSC SBERBANK OF RUSSIA":
   

   In cases of unreasonable or erroneous transfer of funds by the Holder to recipients through Sberbank Online, the Holder independently resolves the issue of returning funds with their recipients.

   
   This is exactly the case when the bank accurately executed the client's instructions, drawn up with errors, and is not responsible for the consequences. And the sender will have to solve the problem of returning money on their own.

Articles and Lifehacks

Do not despair if the money did not come to the phone. Perhaps they will come in a few hours or even tomorrow. In cases where this did not happen, you should know the procedure for crediting the spent funds to your account.

Algorithm of actions in case of non-receipt of money

If several hours have passed after replenishing the account, and the money has not arrived, then:

1. Call your carrier to find out if there have been network outages.
2. Call the number indicated on the payment receipt. It is possible that your payment is still being processed, so the money has not been credited to the balance.
3. Check if the number is dialed correctly. If, when dialing, you made a mistake in at least one digit, then this was the reason that you did not receive the money.
4. You can contact the communication salon where you replenished your account and ask why the money has not yet arrived.

What is required for a refund

If you have checked the correctness of dialing your own number, then you should wait. You can contact the operators to find out, but most often the money is credited to the balance no later than 3 days after payment.

In cases where you made a mistake when replenishing the number, you should:

• Call your carrier immediately or go to their nearest office to report your problem.
• When contacting a communication salon, you will be asked to provide a receipt with a phone number, after which you will need to write a corresponding application. In this case, the money is returned within 5 minutes or several days.
• If you call the operator, you will be asked to give your details, and then tell about all the information indicated on the payroll.

  That is, be prepared to give the terminal number, the address where the terminal is located, the time of replenishment and the number of the replenished account. In some cases, you may be asked to additionally send a scanned check to your email.

• Always keep the receipt of payment, as only this document can prove that the replenishment was made, which means that you can get your money back anyway.

If money did not come to the Sberbank card, what should I do? This is a common question these days. Plastic cards have become an integral part of our daily life. Most often, according to statistics in our country, Sberbank cards are used. For many years we have been using these plastic cards, without hesitation, we make payments, transfer money from account to account, pay utility bills and perform many other operations. Such popularity is quite understandable: it is convenient, saves time and, in some cases, money. This solvent piece of plastic is in almost every average Russian wallet. But, despite the rather high level of service that the bank offers to customers, sometimes troubles still happen. What to do if the money did not come to the Sberbank card?

Where to turn for help, we will discuss in this article.

The time required to transfer money to the card

The vast majority of such cases simply involve the untimely receipt of money on the card, that is, the money nevertheless arrived, but with a delay. Let's take a closer look at the regulated deadlines for the receipt of funds on a plastic card, after which you need to sound the alarm.

So, in Sberbank, the time for transferring money to a card is as follows.

When transferring funds between accounts opened with this bank, the crediting period is regulated from 24 to 48 hours. When transferring money using accounts of other credit institutions, a slightly longer period is required - up to 7 days. This can be clarified by the phone number of Sberbank.

But we all know that usually enrollment occurs much faster than these agreed terms. However, if the money is not received, it will be necessary to meet the standard period, before its expiration, the bank employees will not do anything. When making money transfers, it is also necessary to take into account the time of the transaction: if this happens on a Friday afternoon or on a day off, then the time for the transaction may be increased. This situation is directly related to the work schedule of bank branches, most of which are closed on Saturday and Sunday. Thus, the transfer can only be made at the beginning of next week. All of the above is true for bank transfers.

There are also technical problems.

Online Services

When making transactions through an online bank or mobile bank, funds should be credited to the account immediately. The same applies to holidays. If you transfer money late in the evening or at night, they will be credited to the account the next morning. Thus, it turns out that if the time specified by the instruction for the transaction has not come out, you should not panic. You must wait for the deadline. However, if the regulated time has expired, and the transfer has not been received, then you need to contact Sberbank for clarification. If you transferred money through electronic payment systems and they did not arrive within five days, then you should first contact the support service of this system, and then contact the bank support service.

What can it mean if the money did not come to the Sberbank card?

Reasons for non-receipt of funds

Regarding the deadlines set by Sberbank, everything is clear, now let's talk about the possible reasons for the delay in funds. Problems when crediting funds to a plastic card can be caused by several reasons. First of all, these may be technical problems in the system of work of either the entire bank or any one branch. These kinds of failures occur because the system is overloaded with a large number of operations, which increases the time required for transactions. It is also impossible to exclude the possibility of a technical failure.

Preventive work

Technical bank personnel carry out preventive maintenance of equipment and servers, eliminate all technical problems in time, but nevertheless, bank employees are not immune from troubles of this kind. It should be noted that such cases are quite rare and bank employees are trying to restore the operation of all systems as quickly as possible.

Many people ask if money has not come to the Sberbank card, what should I do?

In such cases, if the bank staff confirms the presence of technical malfunctions, you just need to wait for them to be eliminated, and then check the card balance. If the money still did not come, contact the support service. In addition to technical malfunctions, there may be another reason for delaying the transfer, such as incorrect entry of details. The phone number of Sberbank can be found on the official website, it is also indicated on each ATM and on the back of the plastic card.

A mistake can be made by the client himself when transferring money through an ATM or by an operator when transferring through a bank cash desk. In the event that the client himself made a mistake, bank employees can express deep sympathy to him, but they will not be able to help in any way: the money has already gone to another account. Of course, you can try to find the person to whom you transferred the money, but the refund depends solely on his decency. In the event of a mistake by a bank employee, the client will receive his funds back after some time required for paperwork.

Limits

The absence of transferred funds in the account may also mean that the sending limit set for your card has been exceeded. This means that you will be able to make a transfer only in a day. The most accessible way to get information about the card limit is to go to your personal account on the Sberbank website. Here each client can find out the status of their payment. If the money was debited from the sender's card, then the transfer will be marked with the status "Executed", if the funds have not yet been debited, then it will be "Pending processing". Such a mark may indicate that the amount is too large to transfer. In this case, you need to call the bank and confirm the transfer amount.

ATM case

Sometimes it also happens that the ATM accepted bills, but they never arrived on the card account. In this case, you should pick up the check issued by the ATM and contact the nearest branch of the bank. In addition to the document confirming the payment, you must take your passport and card with you. You need to write an application to the department. As a rule, such applications are considered within two weeks. The bank employee will first of all find out at which ATM you made the transfer and check the payment details.

Why else can there be a delay in the receipt of the amount of money?

Since cases of fraudulent actions with regard to plastic cards have recently become more frequent, another new reason for delaying the receipt of money has appeared: bank employees thought that there were signs of illegal actions during the transaction. In this case, the bank may block the transfer. Before the money is credited to the card, the operator will contact the sender and recipient of the money and ask them to confirm the transfer. Actually, there are not so many reasons why money did not come to the Sberbank card, as well as action algorithms. They will be discussed further.

Procedure in case of lack of transferred funds

First, you should check the deadline set for the execution of this operation. Perhaps the time has not yet expired, and therefore the translation did not come. If the deadline has passed, but there is still no money, you should check the correctness of the details. This can be done by looking at the check, which must be kept until the money is credited to the account. If the details were specified correctly, then the further scheme of actions depends on where and how the funds were transferred. When conducting an operation within the same bank, that is, if the money did not come from the card to the Sberbank card, you should call the hotline or the short number of the contact center, consult with the operator who has access to complete information on your card, and find out the reason for the failure transactions. The deadline for the transfer of the amount of money has been indicated above.

Cards of another bank

When sending money from a card of another bank, in case of non-receipt, you must contact the sending bank. It is he who is liable for the unfulfilled payment. Bank employees will check all the data and find out for what reason the money was not credited to the account. The specialist will check the sender's account: whether the money was returned back to the sender. If, as a result of the check, it turns out that the money has left the bank, this means that the problem arose at the recipient bank, that is, at Sberbank, where you should contact for advice. A similar scheme of actions is provided for in the event of a delay in the receipt of funds on the card from the current account. At the present time of the availability of Internet resources and the development of technologies, various electronic payment systems are becoming increasingly popular. Through these systems, it is possible to withdraw funds to plastic cards, including Sberbank cards. The time for sending the amount of money is up to five days.

Electronic wallets

If the funds were not received from the electronic wallet, then first you need to call the support service of the electronic system through which you made the transfer. Contacts, as a rule, are indicated on the electronic website of the system.

So, once again we will name the steps that must be taken in case of non-receipt of funds on a plastic card. First, find out the correct details of the transfer. If everything is correct, then you need to call the Sberbank hotline. Secondly, you should write an application at the bank branch for a refund, of course, based on the situation (whether the funds left the sender's account, whether a mistake was made, etc.). Thirdly, if it turns out that fraudulent activities have taken place, it is necessary to urgently call the bank employees and suspend the payment.

In this case, you need to take into account how much money is transferred to a Sberbank card.

In rare cases, the cardholder has time to suspend the transaction: the amount to be debited hangs on the correspondent accounts of the bank, and fraudsters simply cannot withdraw it. If, nevertheless, the money is gone, then you need to write an application for a refund at the bank and contact the nearest police station with a statement that money has disappeared from your account. Otherwise, it is almost impossible to return the money.

Conclusion

In conclusion, it should be noted that in the vast majority of cases, funds arrive on plastic cards on time, and bank employees try to avoid interruptions in the system, since all banks value their reputation.

Here's what to do if the money did not come to the Sberbank card.

Despite the high-quality work of the service, which allows a minimum probability of system errors, various kinds of failures are not excluded. What to do if the money did not come to Qiwi after you replenished the wallet balance? This is our article today.

The Qiwi international payment service is one of the most convenient tools for a modern person. Qiwi allows you to make all kinds of financial transactions and pay for the services of thousands of providers directly from home or from the office. Replenishing your wallet is also easy - the payment system terminals are located in retail outlets throughout Russia and the CIS countries.

The reasons

1. there is no connection to the Internet of the terminal;
2. the connection of the terminal with the Qiwi server is broken;
3. carrying out preventive maintenance on the server;
4. terminal software failure.

Before you raise a panic and start searching for the authorities responsible for the unpleasant incident, it is worth collecting your thoughts a little. Only a clearly articulated description of the problem will help a support specialist quickly start solving it. Therefore, it is necessary to collect all information about the payment. You should start with the source of receipt of funds to the Qiwi wallet. When topped up via:

• other methods of replenishment (the account is replenished by means of a money or bank transfer, through payment services).

Terminal usage is one of the most frequent ways to replenish your Qiwi account. They are easy to use, you can always find them in a store nearby, and no data is required to complete the transaction, except for the wallet number (aka phone number).

Why doesn't money come to the wallet when replenishing through the terminal? Before talking about the delay in the payment made through the Qiwi terminal, one question must be resolved - how quickly do the funds arrive on the account? Usually crediting occurs instantly, but small failures are not ruled out when the system is overloaded. For such situations, the system rules contain information that the allowable replenishment period is 3 days.

On a note! The human factor can also be the reason for the delay in payment. It is worth checking the check - perhaps the wallet number was indicated incorrectly.

What to do if the money for Qiwi did not come?

Until the funds are in the Qiwi account, you should not get rid of the check. It will help you track the status of your payment. The check contains a lot of useful information that simplifies the search for lost money: information about the agent who installed the terminal at the point of sale, details of the operation, Qiwi support phone number. If the wallet has not been replenished either in an hour or in a couple of hours, and there is no way to wait three days, then it's time to take action.

Options for action

• track the status of the replenishment on the Qiwi website;
• Checking payment status in your personal account;
• call the Qiwi Call Center;
• contact the agent who installed the terminal (the agent's phone number must be indicated on the receipt).

Checking the payment status on the site

1. We go to the official website of Visa Qiwi Wallet and select the "Help" menu item in the upper left corner or click the button above.
2. Next, a window will open with the most popular support requests. Select "Check payment on the terminal".
3. A special form will open, which can be filled out only if there is a receipt for the payment, which contains the transaction code. Fill in all the data and click "Check".
4. We get an answer immediately.

The payment can also be tracked in the transaction history in the Personal Account on the website or in the mobile application. As a rule, the status of an accepted but not executed payment is “Accepted for processing”. This means that after some time the money will still reach the addressee.

Qiwi support ticket

How to find out why the money did not come to Qiwi, if the check is not saved? For such cases, a special form is provided on the website of the payment system. It will have to indicate the approximate time of the operation and the name of the legal entity to which the terminal is registered. Usually, information about the agent is indicated on the check, but it can also be found on the terminal itself - in the "Information" menu item.

If you can't find it, just go back to the terminal and drop the money on your phone and get a receipt for the transaction.

Applications in the "Help" section on the Qiwi website are not limited to the situation when a system participant replenished the wallet and did not save the check. The support team offers several ticket forms for the most common payment problems.

1. the payment did not reach, the check was saved;
2. when replenishing, a different phone number was indicated;
3. other errors were made when making the payment;
4. the terminal is frozen;
5. the payment is displayed as "successful", but there is still no money in the account.

The answer from the support service comes to the applicant's email and to resolve the situation, you will have to wait a bit for a response.

Call to Qiwi Help Desk

If you do not want to wait a long time, you can discuss the problem with a support specialist over the phone. It is enough to call 8-800-707-77-59 and the first free employee will answer within a few minutes.

Call Qiwi support, it will be easier!

To resolve the issue as quickly as possible, it is worth preparing as much payment data as possible, namely:

1. wallet number;
2. amount of payment;
3. replenishment time;
4. terminal number, point address;
5. transaction code indicated on the check.

Agent help

The contact number of the agent is usually indicated on the receipt issued by the terminal after the payment is made. Agents value their reputation and try to promptly help the client. But their help is possible only in situations where the problem lies in the terminal itself - for example, there is no Internet connection or a software failure has occurred.

Did not receive money when replenishing in other ways?

You can put money on your wallet in other ways, and they may also not come.

1. money transfer systems;
2. mobile operators;
3. banks, internet and mobile banking;
4. electronic payment services.

The participant of the system usually finds out immediately that the replenishment has not been completed - he does not receive a payment confirmation code. Since the intermediary is responsible for the operation, you should first contact their support service. It is possible that the payment has not yet been accepted for processing. If the payment is made, but the money has not yet arrived on the Qiwi wallet, then you should repeat all the steps described above.

Summarize

As a rule, the support service makes every possible effort to save the user's funds. These simple steps help speed up the process:

• use only recommended ways to replenish your wallet;
• check the phone number before the transfer;
• keep the check.

As you can see, the Visa Qiwi Wallet payment system takes care of its participants, so it is ready to offer several ways to quickly resolve the situation.

After paying through a bank, terminal or other means? Most subscribers of cellular networks are accustomed to the fact that crediting occurs almost instantly, especially if you use a terminal or a mobile application for Internet banking.

What should I do if the payment did not go through the terminal?

Summary of the article:

1. How quickly will the money be found?

Your actions in case of loss of payment on MTS

If you sent a payment to MTS and do not see its instant crediting, then you should wait - the rules for the operation of ATMs, terminals and payment applications set the time limit for the passage of money in one day. The same applies to payment at any branch of the Russian Post, Sberbank and other large institutions that provide such services to the public. Worry is only after the expiration of this period. Taking action if you see that your payment has not reached your mobile phone bill is a smart decision. One or more of the following should be done without fuss:

• check if you still have a check from an ATM and a payment terminal;
• call the MTS operator and, using the check data, name the date, transaction number, amount and check number;
• check the number on the check - if the money went to someone else's MTS number, act according to a proven scheme;
• contact the owner of the payment terminal at the phone number indicated on it and agree on the payment, refund or other ways to resolve the problem.

How quickly will the money be found?

Usually the issue is resolved within 24 hours, but if the number is mistakenly dialed during the payment, it will take longer. In the vast majority of cases, the operator takes the side of the client if you have proof of payment.

If the payment was made through a mobile application or Internet banking, then a copy of the receipt is stored in the payment history, which can be presented in the form of a scan (preferably in color) in the MTS salon. If the money reached you after a day, you can exhale and continue to enjoy calling friends.