How to Recover Money Transferred to Wrong UPI Address?

byDilip PrasadLast Updated: June 11, 2024
How to Recover Money Transferred to a Wrong UPI Address

With UPI (Unified Payments Interface), users find it easy to transfer money digitally. Yet, sometimes issues like declined transactions or sending money to the wrong UPI address accidentally can cause financial losses. The good news is that UPI cares about your safety and offers ways to retrieve lost money in such cases. This article will explain how to recover funds sent to the wrong UPI address.

UPI, short for Unified Payments Interface, is a fast and secure payment system developed by NPCI. It lets you link multiple bank accounts to one mobile app, so you can easily transfer money, pay bills, shop online, and do more with just your smartphone. No need for cash or bank details.

5 Common Situations When You Have Sent Money to the Wrong UPI Address

  • Typing Error: You may unintentionally enter the wrong UPI address due to a typing mistake or a misunderstanding of the recipient’s address.
  • Similar UPI Addresses: UPI addresses can be similar, especially if they are based on common names or generic terms. You might mistakenly select an address that closely resembles the intended recipient’s address.
  • QR Code Scanning Error: If you scan a QR code for payment, there is a chance of an incorrect UPI address if the QR code is not generated correctly or if there is a scanning error.
  • Malicious Intent: Unfortunately, there are fraudsters out there who might intentionally provide a wrong UPI address to deceive you and receive funds.
  • Technical Glitches: Sometimes, technical issues with the UPI app or server can also cause transactions to be processed to the wrong UPI address.

5 Methods to Recover Money Transferred to a Wrong UPI Address

  • Contact the Receiver: Reach out to the person who received the funds and request a refund. Provide them with the necessary details and ask for their cooperation in returning the money.
  • Contact Customer Support of UPI App: Report the wrong transaction to the customer support team of your UPI app. Provide them with all the relevant information and evidence of the transaction. They can assist you in initiating the refund process.
  • File a Complaint with NPCI: If you are unable to resolve the issue with the app’s customer support, you can file a complaint with the National Payments Corporation of India (NPCI). Provide them with the transaction details and evidence, and they will investigate the matter further.
  • Seek Assistance from Your Bank: Contact your bank and inform them about the wrong transaction. Provide them with all the necessary details and documentation. They can help initiate the chargeback process to recover the transferred funds.
  • Approach the Banking Ombudsman: If you are not satisfied with the response from your bank or the UPI app’s customer support, you can escalate the issue to the Banking Ombudsman. They can mediate between you and the concerned parties to resolve the dispute.

If you accidentally send money to the wrong UPI address, don’t worry! There are steps you can take to recover the funds. First, contact the person who received the money and ask for a refund. If that doesn’t work, reach out to the customer support of the UPI app you used for the transaction. You can also file a complaint on the NPCI portal and seek help from your bank. It’s important to act quickly, provide all necessary information and evidence, and stay persistent throughout the recovery process. With the right approach, you have a good chance of getting your money back.

Disclaimer: Remember that the success of these methods may vary depending on the circumstances and the cooperation of the parties involved. Promptly reporting the issue and providing all necessary documentation and evidence will increase your chances of recovering the money transferred to the wrong UPI address.


Is it possible to receive a refund for an incorrect UPI transaction?

Yes, you can get a refund for an incorrect UPI transaction by filing a complaint through the PSP or TPAP app. If the issue persists, you can escalate it to the PSP Bank, your bank, or NPCI. Communication regarding the complaint status will be provided through the app.

How do I report issues with my UPI transactions?

You can report problems with your UPI transactions through the app provided by your Payment Service Provider (PSP) or Third Party Application Provider (TPAP). Select the transaction in question and file a complaint.

What happens if I enter the wrong UPI PIN?

If you enter the wrong UPI PIN, the transaction will fail. Repeatedly entering an incorrect PIN may temporarily block your ability to send money using UPI, depending on your bank's policies.

What should I do if I can't find my bank account after selecting it for UPI?

Check if the phone number linked to your bank matches the one verified in your UPI app. If they don't match, your bank accounts won't show up on the UPI platform. Make sure to verify and update the phone numbers accordingly.

Why haven't I received a confirmation after making a payment?

Normally, you should see a success message on the app and receive an SMS notification from your bank after a transaction. However, there may be occasional delays due to operator issues. If you haven't received confirmation after an hour, contact your bank's customer support.

Will I get my money back after following the recovery methods?

By following the recovery methods, you have a good chance of getting your money back within 24 to 48 hours. Provide the necessary transaction details and proof to speed up the process.

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