How to Recover Money from a Wrong UPI Transfer?
Reviewed by: Fibe Research Team
- Published on: 17 Apr 2025
Reviewed by: Fibe Research Team
UPI has made sending money easier than ever. With just a few clicks, you can pay friends, shop online or settle bills instantly. But in all that speed, mistakes can happen. You might end up sending money to the wrong person by accident. But don’t worry, such mistakes are more common than you might think. And the good news is that there are ways to get a UPI payment refund if you act fast.
Read on to learn more about how one can recover the money from a wrong UPI transfer.
A wrong UPI transaction happens when money is sent to an unintended person. This could be due to entering the wrong UPI ID, selecting the wrong contact or even a typo in the mobile number. Once you hit ‘send, ‘ the amount is instantly debited from your account. Luckily, there are systems in place for you to retrieve that amount.
The faster you act, the better your chances of recovery. Here’s what you can do:
But what if they don’t respond or refuse to return it? That’s when you raise a wrong UPI transaction complaint.
There are 3 main ways to try and recover your money if a UPI transaction goes wrong.
All major UPI apps have a support or help section where you can raise a complaint. Here’s how:
This triggers an internal check. The UPI app team may reach out to the receiver’s bank or ask them to reverse the transaction. You can also call the wrong UPI transaction complaint number of your app’s customer service. Always have your transaction ID and payment details handy when calling customer care.
If the UPI app support doesn’t resolve it, you can try contacting your bank. They can escalate the issue through NPCI (National Payments Corporation of India). Here’s what you can do:
The bank can then lodge a complaint with the other bank through NPCI. This usually takes a few working days.
If neither the UPI app nor the bank helps, you can go straight to NPCI. Here’s how:
You’ll get a reference number to track your wrong UPI transaction complaint.
If a large amount is involved or fraud is suspected, report it to the police with full details. If nothing else works, legal action with expert guidance can be your best bet.
Once you raise a wrong UPI transaction complaint, the concerned parties will review it. Recovering money from a wrong UPI transaction depends on how quickly you act. If you raise a complaint within 24 to 48 hours, your chances of recovery are much higher. This timeline is also recommended by the Reserve Bank of India (RBI).
A quick check can save a lot of hassle. Here are a few simple precautions:
If you’ve sent money to wrong UPI by mistake, don’t panic. There are proper steps to recover it. But speed is key. The sooner you raise a complaint, the better your chances. Meanwhile, if you are in urgent need of cash while waiting for a refund, Fibe can help!
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Yes, if you act fast and reach out to the wrong UPI transaction complaint number within 24-48 hours, you may be able to get a refund. It depends on how the bank and the receiver respond.
Yes, in most cases, you do receive your UPI payment refund. If the receiver cooperates or the bank confirms the mistake, your money will be refunded within no time. However, if the receiver denies it or the money has been withdrawn, recovery might take longer.
