Woke up to this today from an unkown number, I’ve heard there is a scam where people send money and ask for it back while the transaction is still pending. But if I checked correctly the money is literally in my bank account, so a completed transaction, and nobody has texted me asking for it. I’m still waiting to see if I receive any calls or texts and I’ve blocked my cards and everything for now.

by bonkcats

7 comments

  1. In Twint, yes, that transfer is final. I don’t think that one is a scam.
    You could call your bank to ask where it’s coming from, they do know what bank sent it. See also, Art. 62 OR.

    The other person can ask their bank the same, who will then either go to you directly (if same bank as you) or they can ask your bank to send you a letter, asking you to return the money.

  2. most likely a mistake. there is no way to retract a payment with twint the way you can with for example paypal, so a scam would not be possible in that same way.
    could be some other kind of scam like trying to wash money from a stolen account, but if you have the money they can’t take it back

  3. Looks like someone fucked up the phone number while paying for a trip amongst friends…

  4. Had this situation recently as well with a lower amount and another purpose. I just answered them through Twint and told them that I am the wrong receipent. They called me and asked kindly to send it back. They also send me a twint request with the correct receipent number. The number was almost the same (only one digit differently). So I could be sure that it was really a mistake and send the money back to the sender.

  5. most likely a mistake. but to be sure,don’t transfer the money back to any other account, then the one you received it from.

    The only way i can imagine this is a scam:
    – You receive money from someones hacked Twint account.
    – The hacker asks you to send back the money to another account (most likley his account)
    – the hacked person wants the money back from you.

    Dont know if thats a realistic scenario..

  6. For real though, what is the appropriate action to take when that happens to you? I doubt just keeping the money is legal, or is it?

  7. Why is noone suggesting the simplest course of action, which is to send the money back with a message saying that this is the wrong number?

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