How to Recover Money from a Wrong UPI Transfer?

Updated on: 17 Jun 2025

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.

Understanding an Incorrect UPI Transaction

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.

First Steps You Can Take Towards Recovery

The faster you act, the better your chances of recovery. Here’s what you can do:

Check the transaction details and confirm the mistake
Contact the person you accidentally sent the money to
If they agree, they can send the amount back to your UPI ID

But what if they don’t respond or refuse to return it? That’s when you raise a wrong UPI transaction complaint.

Ways to Recover Your UPI Amount

There are 3 main ways to try and recover your money if a UPI transaction goes wrong.

Raise a Complaint with Your UPI App

All major UPI apps have a support or help section where you can raise a complaint. Here’s how:

Open the UPI app (like Google Pay, PhonePe, Paytm or BHIM)
Go to ‘Help’ or ‘Support’
Select the transaction that went wrong
Choose the reason: ‘Wrong UPI transfer, ‘ ‘Incorrect account credited’, or a similar command
Submit your complaint

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.

File a Complaint with Your Bank

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:

Visit your bank branch or call customer care
Share transaction ID and details
Mention the UPI ID or number the money was sent to

The bank can then lodge a complaint with the other bank through NPCI. This usually takes a few working days.

File a Complaint with NPCI

If neither the UPI app nor the bank helps, you can go straight to NPCI. Here’s how:

Visit: NPCI UPI Dispute Redressal
Click on ‘Raise a complaint’
Fill in the form with transaction details

You’ll get a reference number to track your wrong UPI transaction complaint.

Escalate Legally if Needed

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).

Tips to Avoid Wrong UPI Transactions

A quick check can save a lot of hassle. Here are a few simple precautions:

Double-check the UPI ID or mobile number before hitting send
Add people to your ‘saved’ list in the app
Send a test amount before transferring large sums
Use the ‘pay to contacts’ option only if you’re sure of the number

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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FAQs on Wrong UPI Transactions

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

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.

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

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.