{"type":"document","data":{"id":"e6cf146d-c63c-41c1-a7b2-ae3d037486e4","localeString":"en-GB","publishDate":"2026-04-17T11:22:43.787+02:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Accidentally made a payment to the wrong account? Here's what you can do to get your money back."},"mainHeaderZone":{"componentType":"productHeader","cta":{"componentType":"cta","textLink":{"url":"https://mijn.ing.nl/banking/orders/payment-requests","text":"Make a refund or payment request"}},"coreHeader":{"body":"It could happen to anyone. You accidentally enter the wrong account number, select the wrong account, make a double payment or forget to cancel a standing order. Three situations, each with its own solution.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/40828065-e090-46b9-9b55-9ce3cc1ef54f/SDD-fraud-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/6ced896c0169db6e/original/SDD-fraud-1920.jpg","extension":"jpg"},"title":"Made a payment in error","subtitle":"How to get your money back"},"backLink":{"textLink":{"url":"/en/personal/payments/money-transfers","text":"Transfer money"}}},"flexZone":{"flexComponents":[{"componentType":"paragraph","title":"You can only manually cancel direct debits","richBody":{"value":"<p>For (automatic) direct debits, different rules apply than to payments you&apos;ve manually made. These transaction descriptions won&apos;t include a ‘Refund’ button. We&apos;re also not able to get this money back for you either.</p>"},"textLinks":[{"url":"/en/personal/payments/direct-debit/request-refund-unauthorised-direct-debit","text":"See how to reverse an incorrect direct debit"}]},{"componentType":"paragraph","title":"1. You've accidentally sent money to an account number that does not exist","richBody":{"value":"<p>No problem! The money will be automatically refunded, appearing back in your account within a few days. This only applies to Dutch banks, however. If you&apos;ve accidentally sent money to a foreign account number that doesn&apos;t exist and you haven&apos;t been refunded after a few days have passed, please contact your bank.</p>"}},{"componentType":"paragraph","title":"2. You've accidentally sent money to someone you know","richBody":{"value":"<p>If you know the person you&apos;ve accidentally sent the money to, you can send them a <a href=\"https://mijn.ing.nl/banking/orders/payment-requests\">payment request</a>. You can also contact the person or institution in question. They&apos;re legally required to send the money back to you.</p>"}},{"componentType":"paragraph","title":"3. You've accidentally sent money to someone you don't know","richBody":{"value":"<p>Whether or not you&apos;ll get the money back depends on the recipient. Here&apos;s what you can do:</p><ul><li>Contact your own bank. You&apos;re dealing with an ‘undue payment’, so the person you&apos;ve sent the money to is legally obliged to send it back to you. Your bank can help you think about what other steps to take and can even act as a mediator.</li><li>Please note: help investigating an &apos;undue payment&apos; is only available if the transaction happened within the last 13 months.</li></ul>"}},{"componentType":"paragraph","title":"Bought something online, but never received the item?","richBody":{"value":"<p>Please contact the seller first. If it turns out you were <a data-type=\"internal\" href=\"/de-ing/veilig-bankieren/soorten-oplichting-fraude/oplichting-bij-aankoop-via-internet\">scammed</a>, report it to the police.</p>"},"textLinks":[{"url":"/de-ing/veilig-bankieren/soorten-oplichting-fraude/oplichting-bij-aankoop-via-internet","text":"Read more about internet fraud"}]},{"componentType":"paragraph","title":"Better safe than sorry","richBody":{"value":"<p>Did you know that IBAN Name Check for online transactions will show you a pop-up message if the name and IBAN number don&apos;t match the bank&apos;s records? This will reduce the risk of payments made in error.</p>"},"textLinks":[{"url":"/particulier/betalen/geld-overmaken/iban-naam-check","text":"More about the IBAN Name Check"}]},{"componentType":"cta","textLink":{"url":"https://mijn.ing.nl/banking/orders/payment-requests","text":"Make a refund or payment request"}},{"componentType":"linkList","iconTitle":{"title":"More about"},"textLinks":[{"url":"/en/personal/payments/direct-debit/automatic-debit","text":"Direct debits"},{"url":"/en/personal/digital-banking/app","text":"Download the ING app"},{"url":"/en/personal/digital-banking/apply","text":"Apply for My ING (internet banking)"},{"url":"/particulier/betalen/geld-overmaken/overschrijven-niet-gelukt","text":"Failed transaction?"}]},{"componentType":"linkList","iconTitle":{"title":"Payments"},"textLinks":[{"url":"/en/personal/payments/bank-accounts","text":"Bank accounts"},{"url":"/en/personal/payments/pay-with-your-phone","text":"Mobile payments"},{"url":"/en/personal/payments/money-transfers","text":"Transfer money"},{"url":"/en/personal/payments/creditcards","text":"Credit cards"},{"url":"/en/personal/payments/debit-cards","text":"Debit cards"},{"url":"/en/personal/payments/cash","text":"Cash"},{"url":"/en/personal/payments/payments-abroad","text":"Payments abroad"},{"url":"/en/personal/payments/switch-to-ing","text":"Switch from your current bank to ING"},{"url":"/en/personal/payments/rates","text":"Payment product rates overview"},{"url":"/particulier/betalen/bankrekeningen/pakketvergelijken","text":"Compare packages"}]}]}}}