This is what you should do if you did or received a bank transfer by mistake in your account: What do banks say in Peru?

Performing or receiving a bank transfer is one of the most common financial operations today. This process allows you to send money from one account to another quickly, both nationally and internationally.

In addition, the Banking entities They offer different methods to make these transactions, such as interbank transfers, immediate payments or scheduled shipments, according to the user’s needs.

However, errors in the process may occur, such as the realization or reception of a transfer by mistake. Given this situation, what do banks establish in the Peru To manage these cases?

Can interbank transfers be canceled?

In general terms, it is not possible to cancel a transfer once confirmed. However, four banks have provided specific details about their procedures through their official platforms.

Interbank warns: Interbank Transfers

Interbank said that once a Interbank transfer It is confirmed and the constancy of the operation is generated, it cannot be annulled. The institution recommends carefully verifying the data before completing the transaction.

BCP advises acting quickly to errors in transfers

The Credit Bank of Peru (BCP) He emphasized that, despite caution, errors in transfers can occur. Therefore, he suggests acting quickly to try to solve them. The Bank recommends stopping any related operation, reviewing the history of transactions and immediately contact the banking entity through its official channels.

To facilitate management, it is key to provide information such as the reference number of the operation, date and transfer timeamount sent and data of the recipient. It is also advisable to conserve a proof of the transaction in case of requiring a formal claim.

BBVA: Options to request the return

For its part, the BBVA He explained that although a transfer cannot be annulled, it is possible to request its return under three options. The first is to directly contact the holder of the receiving account and agree on the return of the money. The second alternative consists in requesting the intervention of the bank to manage an interbank backwardness, although this depends on the acceptance of the recipient.

Finally, if none of these options are successful, you can use the judicial route. In all cases, the BBVA recommends acting quickly to increase the chances of recovering the funds.

Scotiabank warns: Transfers cannot be reversed

Scotiabank He pointed out that it is not possible to reverse an erroneous transfer made through a Spei. Therefore, the banking entity highlights the importance of carefully reviewing the destination account data before confirming the operation, in order to avoid inconveniences or delays in the reception of money.

In that sense, it is essential to verify that the data entered are correct before confirming the operation, since any error could cause delays or inconveniences in receiving the money.

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