Bizum has reached our lives to facilitate it, and that is that in increasingly digital world where little by little the cash is disappearing, the need for new alternatives when paying has led to this payment system to have become one of the favorites of the Spaniards.
Whether when you go out for dinner or take something with friends, to pay your child or even in many premises to pay for a haircut or similar, the Spaniards use Bizum.
The key to its success is the simplicity in which this system works, since it does not require the long bank account numbers, but with the person’s mobile phone (which must previously be registered in Bizum), you can send you up to 1,000 euros instantaneously.
But with this ease of shipping, many times with the rush or for a mistake you may be wrong or even as a person when making the payment, and of course the doubt arises, how can I recover my money?
Can you cancel a bizum?
Canceling a bizum is something that cannot be donethe transfer of money is instantaneous (it takes less than five seconds), so at that time it does not give you time to cancel anything. The money reaches the other person and the system establishes the transaction as irrevocable, so you cannot cancel a bizum already done.
However, that does not mean that you are going to run out of money, although it is true that Recover it no longer depends so much on youbut rather how noble or honest is the person you have sent it.
What should you do if you send a bizum to a wrong person
You are neither the first nor the last person to whom this has happened, so the banks indicate the alternatives and solutions you have. The first of all and more important is that you act quickly once the bizum has been donethis will be key to recover your money as soon as possible and solve the situation.
Undoubtedly, the fastest and most effective solution that all banks recommend, is that of Contact the person to whom we have sent the bizum by mistake, explain what happened And with a little luck the person returns it to us at the moment. This is the best scenario, and in fact Most banks allow you to claim a bizum, so you put the amount and ask for it, the other person only has to confirm it to send you the money.
It can also happen that the person to whom you send the bizum is not registered, in that case within a period of two days, If the other person does not register and accept the money, it will be automatically returned to your account. Apart from contacting the person, if we see that it will not be so easy, it is also convenient Notify the bank of what happened, since these can give you assistance and guide you in the steps to follow to recover your money.
If for whatever, the receiver does not return the first money, The last alternative you have is to initiate a judicial process by making a complaint for a crime of improper appropriationbut of course, if there are five euros or a small amount, it is not worth it because the whole process will be much more expensive.
Therefore before sending a bizum you must:
- Make sure that the recipient’s phone number and the amount are correct.
- If you have doubts about the identity of the recipient, do not send the bizum.
- Always keep the spoil’s voucher.
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