It is a situation that has happened to all of us. Send through Bizum and… Error: we realize instantly that we have sent the money to the wrong person.
Is it possible to cancel a sent Bizum?
What can we do? Although the process of sending money through Bizum is fast and convenient, it does not offer a direct option to undo a mistaken transfer.
However, there are alternatives and steps you can take to try to recover your money.
Before delving into the possible solutions, it is important to take into account the causes that make Bizum not allow the cancellation of a shipment to another user.
Once the money has been transferred, the transaction is considered irrevocable by the system itself. This policy is clearly stated on the Bizum help page: “Bizums that are sent to another user cannot be canceled”. Therefore, if you have made a mistake when sending a Bizum, the option to void it within the Bizum platform is not available.
Alternatives to recover money
Although you cannot cancel a Bizum sent, there are several alternatives you can consider to try to recover your money. Below are some options that could help you in this situation.
Contact the recipient
If you have realized your mistake immediately after sending the Bizum, the first option is to contact the recipient and explain the situation. You can contact her through text messages, phone calls or any other means of communication available. Bizum itself gives the option to directly send a message via WhatsApp.
As you will understand, it is better to be polite and kind when explaining the error and requesting a refund. Although this alternative depends on the good will of the recipient, it is possible that they will be willing to collaborate and return the amount to you.
Communicate with your bank
If the recipient is not willing to return the money or does not respond to your communications, you can try to contact your bank.
Although banks have no obligation to intervene in these types of situations, they could offer you an option or procedure to claim the money back. It is important to act quickly, as once the bank has approved the payment, they may no longer be able to reverse the transfer. When contacting your bank, explain the situation in detail and follow their instructions to file a formal claim.
Appeal to a court order
In extreme cases where the recipient refuses to return your money and you are unable to resolve the situation amicably, you may consider appeal to a court order.
In this case, it is a crime of misappropriation regulated by article 254 of the Penal Code. If the appropriate amount exceeds 400 euros, the fine imposed on the convicted person will be higher. However, It is important to keep in mind that this process can be long and expensive.so it is recommended to exhaust all other alternatives before reaching this stage.
And how to return a Bizum received in error?
In addition to canceling a Bizum sent in error, it is also possible that you find yourself in the situation of receiving a Bizum that does not correspond to you. In this case, the return process may vary depending on the circumstances.
The first thing you should do when receiving a Bizum that you do not recognize is to contact your bank. Inform your bank about the situation and follow their instructions to resolve the problem. They will be able to help you identify who sent the shipment and clear up any confusion that may have arisen. It is important to act promptly to avoid potential scams and ensure the money is returned to the correct person.
Once you have contacted your bank, you will be able to obtain information about who sent the Bizum. Be sure to check the name of the orderer to confirm if you know them or if it is an unknown person. In some cases, it may be an error when entering the phone number, so it is recommended to use your saved contacts to avoid these types of errors in the future.
Finally, Once you have confirmed that the Bizum does not belong to you, it is important to return the money to the sender as soon as possible. Use the return option available in your bank’s app to start the return process. If you cannot find this option, you can also make a Bizum for the same amount to the phone number that originally sent you the Bizum. Be sure to contact the person to inform them of the situation and ensure a successful return.