Today, most people prefer digital payments instead of cash.
From buying groceries to paying bills, many transactions are now done through UPI.
Apps like PhonePe, Google Pay and BHIM have made sending money quick and convenient.
However, sometimes in a hurry or due to a small mistake, money gets transferred to the wrong account.
If this happens, there is no need to panic.
You can file a complaint through the portal of the National Payments Corporation of India.
You can also seek help from your bank or through the official helpline.
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What to Do If Money Is Sent to the Wrong Account
If you accidentally transfer money to the wrong account through UPI, the first thing you should do is check the transaction details in your bank or payment app.
This will help you confirm the mistake and collect important information like the UPI reference number.
After verifying the details, file a complaint as soon as possible.
The sooner you report the issue, the higher the chances of getting your money back.
NPCI has made the complaint process simple.
In many cases, once a complaint is filed on time, an investigation can begin within 48 hours.
How to File a Complaint on the NPCI Portal
If a wrong transaction happens, you can report it through the NPCI website.
First, visit the official website of the National Payments Corporation of India.
On the homepage, select the “UPI Dispute / Complaint” option.
Next, enter your UPI reference number along with other transaction details.
After that, provide your registered mobile number and submit the complaint.
Once submitted, your complaint is registered in the system and the investigation process begins.
You Can Also Use the Helpline Number
If you are unable to file a complaint online, there is another option available.
You can contact the UPI helpline and report the issue directly.
For UPI-related problems, you can call the toll-free helpline number 1800-120-1740.
The support team will guide you through the complaint process.
Always Keep Transaction Details Safe
Whenever you make a digital payment, it is important to keep the SMS confirmation and transaction details safe.
These details can be very useful if you need to file a complaint or if an investigation takes place.
Keeping these records helps you quickly provide proof of the transaction.
Important Things to Remember When Sending Money
A few simple precautions can help you avoid wrong transactions while using UPI.
Always double-check the UPI ID or mobile number before sending money.
If you are sending money to someone for the first time, transfer a small amount first to confirm the details.
Also, avoid making transactions in a hurry.
Taking a few extra seconds to verify the information can help you avoid unnecessary trouble later.