Extra money! What happens if they make a transfer to you in error?

Discover an unexpected balance in your bank account It may initially seem like a pleasant surprise, but it could be the result of a mistake that carries serious implications. That is why before thinking about spending money, you have to know where that resource came from.

The National Commission for the Defense of Users of Financial Services (Condusef) advise caution and recommends verifying the origin of these funds before using themsince using money deposited by mistake may expose the recipient to legal consequences.

Currently, electronic transactions are instantaneous and human errors, such as enter incorrect account numberThey’re possible, These types of situations are more common than you might think..

If a user finds that your account has received money that does not belong to you, the first thing you should do is Contact your bank to report the incident. This is important both to protect your own legal situation and to act with empathy towards whoever made the mistake.

When the error occurs within the same bankthe institution can facilitate the process by communicating directly with both clients involved to resolve the issue discreetly, thus protecting the identity and data of both parties.

In cases of interbank transfersthe originating bank will contact the other bank to locate the recipient of the erroneous deposit and coordinate the return of funds.

Although banks consider these incidents as ‘client operational errors’ and therefore may not assume direct responsibility for resolving them, the affected party has the option of taking the case to legal proceedings on their own. However, this may involve additional costs that will be borne by the plaintiff.

What to do if you face this situation?

1. Immediate verification: If you realize that the deposit does not belong to you, contact your bank immediately to report the error.

2. Withholding of the use of funds: Do not use the funds until the matter is completely resolved, as having money that is not yours could lead to legal action.

3. Documentation: Always keep proof of your transactions. This is very important, especially when you deposit at a branch or through correspondents. Verify that the account numbers and amounts match your original intentions.

4. Be careful with the data: During electronic transfers, ensure that the CLABE number corresponds to the correct holder and verify the details carefully.

Although Receiving extra money in your account can seem like a blessingit is necessary to handle the situation with responsibility and caution, since no one wins the lottery without buying a ticket.

Contacting your bank to clarify where the deposit came from and following the appropriate procedures is legally correct and reflects ethical and considerate conduct towards the true owner of those funds, since if you are the one making the mistake of depositing incorrectly, You wouldn’t want that money to be taken away from you.

Journalist with more than 15 years of experience in print and digital publications. I am currently editor of Debate.com.mx. I have a degree in Communication Sciences. I have covered diverse information sources, especially from the business areas. I usually write about personal finances, retirement, pensions, IMSS, employment, money, currencies, credits, entrepreneurship, insurance, technology, science and scientific studies in areas such as health. I like social networks, reading about marketing, SEO and literature, especially topics of politics and history. In 2018 I had to start mibolsillo.com and since then I have ventured into digital journalism.

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