The key takeaway
Do not spend it or send a separate repayment. Ask your bank to handle the situation.
First establish what happened
A payment screenshot may be fake. If a deposit really appears in your account, the sender’s explanation is still something to verify with your bank.
A new payment you initiate is a separate transaction. Do not let a stranger direct how you return an unexpected payment.
What to do next
- Check the transaction in your official banking app.
- Contact the bank through an official channel and explain the unexpected deposit.
- Ask the bank about its process before taking any action.
- Keep messages and transaction records.
- Do not spend the unexpected money while the bank reviews it.
Pressure is a reason to pause
An urgent or emotional request is not a reason to bypass your bank. If you have already sent money back, report both transactions and the surrounding messages accurately.
Sources & further reading
Provider rules can change. Check current terms and contact your bank for your circumstances.
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