Sending money to the wrong IBAN is a common consumer mistake. Unjust enrichment rules apply.
First Step: Bank Notification
- Call the bank you sent it to immediately
- "Transfer was made to the wrong account"
- Bank forwards it to the recipient bank
- If the buyer approves, the money will be returned in 1-3 days
If the Buyer Rejects
- TBK art.77 unjust enrichment case
- Civil court of first instance
- Expert witness (bank records)
- Interest: from notification
Penal Dimension
- If the buyer uses the money deliberately, TCK art.155 abuse of trust
- Criminal complaint
Bank Liability
- Not responsible for user error
- System responsible if there is a mistake
- Active assistance obligation
Supreme Court of Appeals HGK
HGK accepts that the malicious person who withholds unjust enrichment must return with all interest.
Law of obligations lawyer is recommended.