What to Do When You Send Money to a Wrong UPI ID?

The emergence of Unified Payments Interface (UPI) has significantly transformed the way we transfer money. With its convenience and speed, UPI has become an integral part of our daily financial transactions. However, among the efficiency and ease of UPI transactions, errors can occur, such as mistakenly sending money to the wrong UPI ID. If you find yourself in this unfortunate situation, taking swift action is crucial to rectify the error and ensure the safe retrieval of your funds.

what to do when you send money to the wrong upi id?

Despite this, there are various measures you can take to attempt to recover your funds. Here’s a comprehensive guide on what to do if you find yourself in this situation:

1. Swift Communication:

  • Keep Calm and Act Swiftly: Maintain a composed demeanor and refrain from panicking. Even though the situation might seem distressing, it’s essential to keep a clear mind and act swiftly. Every second counts when it comes to initiating the retrieval process.
  • Upon realizing the mistake, promptly attempt to communicate with the unintended recipient. Request a refund of the amount sent, especially if you have a direct line of communication with them.

2. Contact the UPI App Support:

  • Verify the Details : Before proceeding further, double-check the transaction details. Confirm the UPI ID you sent the money to and ensure that the transaction was indeed a mistake. It’s possible that the error might be due to a minor typo or a similar issue with the UPI ID.
  • Get in touch with the customer support of the UPI app you used for the transaction, such as GPay, PhonePe, or Paytm.
  • Report the issue and provide comprehensive transaction details, including the UPI transaction ID, amount transferred, and the date of the transaction.

3. Lodge a Complaint with NPCI

  •  If you do not receive satisfactory assistance from the UPI app’s support, file a complaint through the NPCI (National Payments Corporation of India) portal.
  • Head to the NPCI official website and navigate to the “Dispute Redressal Mechanism” section under UPI.
  • Fill out the necessary details in the complaint form, clearly stating that the transaction was “Incorrectly transferred to another account.”

4. Contact Your Bank

  • If the previous steps fail to yield results, escalate the issue to your bank, which is linked to your UPI app or the transaction in question.
  • Notify the bank’s customer support of the problem, providing them with a detailed account of the issue and all relevant transaction information.
  • Most banks and UPI service providers have dedicated customer support services to handle such issues. Inform them about the incorrect transaction and provide all the necessary details, including the UPI ID, the amount transferred, and the transaction reference number. Prompt communication can expedite the resolution process.
  • Once the complaint is filed, the bank or UPI service provider will commence an investigation to trace the funds and identify the recipient. The duration of the process may vary, depending on the complexity of the case and the cooperation of the recipient’s bank. Stay in contact with your bank and regularly follow up for updates on the progress of the investigation.

5. Approach the Banking Ombudsman

  • If your complaint remains unresolved even after following the aforementioned steps, you can approach the Banking Ombudsman or the Ombudsman for Digital Transactions after 30 days.
  • File a formal complaint, outlining the problem and providing all pertinent transaction details, along with a summary of the actions you’ve taken to resolve the matter.

6. Consider Legal Action

  • If the unintended recipient refuses to return the funds and none of the previous actions yield results, you may need to explore legal options. This could involve filing a legal complaint via the NCPI website or registering a complaint against the bank through the RBI website.

Additional precautions

Exercise Caution in Future Transactions

To prevent similar mishaps in the future, practice caution when entering UPI IDs during transactions. Always verify the details before confirming the transfer and utilize the “Verify UPI ID” feature, if available in your UPI application. This feature allows you to confirm the recipient’s details before completing the transaction, minimizing the risk of sending money to an incorrect ID.

Learn from the Experience

Although an incorrect UPI transaction can be distressing, use it as an opportunity to become more vigilant and cautious with your financial transactions. Stay informed about the latest security measures provided by your bank or UPI service provider to ensure a secure and hassle-free experience with future transactions.


Sending money to the wrong UPI ID can be a challenging experience, but with prompt action and collaboration with your bank or UPI service provider, you can increase the likelihood of retrieving your funds. Stay vigilant during transactions and utilize the security features offered by UPI platforms to reduce the risk of such errors in the future. Remember, timely and composed action is crucial to efficiently resolving the issue.

It is crucial to exercise caution and verify recipient details before initiating any transaction. Additionally, follow essential online transaction safety tips, including safeguarding UPI and banking details, avoiding public Wi-Fi networks for financial transactions, and being vigilant against suspicious calls and emails.


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