How to reverse/retrieve money transferred to a wrong UPI ID from PhonePe, Google Pay and More

Contact UPI app support

As per the guidelines issued by the Reserve Bank of India (RBI), anyone who transfers money to the wrong bank account should first connect with the app support they were using such as Google Pay, Phonepe, Paytm, etc. As the transaction was done in the app first, the customer support could be helpful and may help in getting a refund.

Reach out to the BHIM Toll-Free number

Another thing you can do to get your money back is to contact BHIM customer service. You can connect with them by calling on 18001201740. This is a toll-free number so no amount would be charged to you for contacting. You can raise the issue with all the details to the customer representative so that they can help you in getting your refund.

Contact your bank with details

It is important to inform your bank about the transaction as soon as you make a wrong payment. Inform them of all the details including bank account transaction ID, account number, receiver’s UPI ID, phone number, etc to the bank representative. If possible, try to schedule a call with the bank manager to get your issue resolved as soon as possible. If the UPI ID doesn’t exist, then the bank representative will get your refund.

File Complaint in NPCI Portal

UPI is developed by the National Payment Corporation of India (NPCI) and it manages all transaction-related queries. If you have sent money to the wrong bank account, this is the first thing you should do to get it back.

1. Go to the NPCI website.
2. On the top menu bar, click on the ‘What we do’ section.
3. A drop-down menu will appear, select UPI, then Dispute Redressal Mechanism.
4. Scroll down and you will see a Complaint section.
5. Now, select Nature of Transaction.
6. In the Issue Type section, select “Incorrectly transferred to another account”.
7. Rest, fill all the details with correct information.
8. Submit it.

Your complaint has been filed and an Ombudsman will be assigned to take care of it. You can also connect to your bank account to take updates about it regularly.

Approach Banking Ombudsman/Ombudsman for Digital Complaints

RBI guidelines mention that if a bank or your UPI app fails to respond in 30 days, rejects your application, or you are not satisfied with their response, then you can approach the Banking Ombudsman for digital transactions. You can read about Ombudsman from the below FAQs. To file a complaint, a user needs to detail the issue on a plain paper and send it to the concerned office via post or in person. For digital transactions, you can also send a complaint to the Ombudsman.