UPI Transfer - How to Recover Money Sent To Wrong UPI Id?

In today’s digital age, UPI has revolutionized the way we handle financial transactions. This
convenient and efficient system allows users to send and receive money with just a few taps on
their smartphones. However, like any technology, UPI is not immune to human error. In some cases,
users may find themselves in a situation where they’ve made a wrong UPI transfer. Whether it’s
sending money to the wrong recipient or entering an incorrect amount, such mistakes can be

But don’t worry, there are steps you can take to rectify these errors and recover your money.

What is UPI?

Before delving into resolving incorrect UPI transfers, let’s first understand what UPI is. Unified
Payments Interface (UPI) is a real-time payment system developed by the National Payments
Corporation of India (NPCI). You can send and receive money from different banks using a single
UPI application.

What Leads to Incorrect UPI Transfers?

UPI payment mistakes can occur for a variety of reasons, including:

  1. Typographical Errors: This is one of the most common reasons for incorrect UPI transfers.
    Accidentally entering the wrong mobile number or UPI ID can lead to the money going to
    the incorrect recipient.
  2. Recipient’s Changed Details: If you have previously made a transfer to a particular UPI ID
    but the recipient has since changed their linked bank account or UPI ID, your money may
    end up in the wrong hands.
  3. Incomplete Information: Incomplete or inaccurate recipient information can result in a
    transfer to the wrong account. Always double-check the details before initiating a
  4. Network Issues: In some cases, network problems or server errors can cause transactions
    to fail or be processed incorrectly.

Now that we understand the potential causes of incorrect UPI transfers, let’s explore the step-by-
step process for resolution.

Step-by-Step Process for Resolving a Wrong UPI Transfer

  1. Conversation: The first step in resolving a wrong UPI money transfer is to reach out to the
    recipient. Send a polite and clear message explaining the situation and requesting a refund. Most
    people will be understanding and willing to cooperate. Keep the lines of communication open to
    ensure a smooth resolution.
  2. Contact Your Bank: If the recipient does not respond or is unwilling to cooperate, your next step
    is to contact your bank. Inform them about the erroneous transaction and provide all the necessary
    details, such as the transaction ID, date, and time. Your bank will guide you through the process of
    raising a complaint or dispute.
  3. Raise a Dispute: Banks usually have a predefined process for dispute resolution. They will
    investigate the transaction and reach out to the recipient’s bank for resolution. Be prepared to
    provide any additional information or documents requested during the process. Keep a record of all
    communication with your bank for reference.
  4. Lodge a Complaint with NPCI: If the issue remains unresolved, you can escalate the matter by
    lodging a complaint with the National Payments Corporation of India (NPCI). Visit the NPCI website
    or contact them through their official channels to initiate a formal complaint. Ensure that you have
    all the transaction details and evidence to support your case.

Key Learnings:

  1. Remember to exercise caution while conducting UPI transactions.
  2. Double-check all the details before hitting that “send” button.
  3. Use trusted and secure UPI apps.
  4. In the event of a mistake, do not panic; instead, follow the recommended steps and channels
    to reclaim your funds.


Incorrect UPI transfers can be distressing, but they are not impossible to rectify. The key to
resolving such issues is swift action and effective communication. Understanding the potential
causes of errors and following the step-by-step resolution process can increase your chances of
recovering your money. With the right approach, you can navigate the world of UPI transactions
with confidence and peace of mind.


How long does it take to get a refund from a failed UPI transaction?

After UPI transaction failure generally it gets credited immediately, however, if it doesn’t happen immediately then it will get credited in 3-5 business days.

How do I get my money back from the wrong UPI transaction?

If you send money to the wrong person, first try to contact them and ask for the money back. If that doesn’t work, contact your bank and explain the situation. They can help you get the money back.

Is UPI safe to use for payments?

Yes, UPI is generally safe to use. Just make sure to keep your UPI PIN and personal information secure. Don’t share your PIN with anyone, and double-check the recipient’s details when sending money to avoid mistakes

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