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How to Retrieve Money Sent to a Wrong Account on OPay, PalmPay, Moneypoint
Sending money to the wrong bank account is one of the most frustrating mistakes anyone can make. Whether it happened through a bank transfer, USSD code, mobile app, or fintech wallet, the good news is this: your money is not always lost.....TAP TO CONTINUE READING
In this guide, you’ll learn exact steps to retrieve money sent to a wrong account in Nigeria, what to do immediately, how long it takes, and what the law says.
Wrong account transfer
Can You Retrieve Money Sent to a Wrong Account?
Yes, it is possible, but it depends on:
How fast you act
The bank or fintech involved
Whether the recipient cooperates
The transfer method used
Banks in Nigeria follow strict procedures, and once money is credited, it cannot be reversed automatically without due process.
What to Do Immediately After Sending Money to a Wrong Account
Time is critical. Once you notice the mistake, do not wait.
1. Contact Your Bank or Fintech Immediately
Call customer care or visit the nearest branch.
Provide:
Transaction reference number
Date and time of transfer
Amount sent
Wrong account number
Your account details
The earlier you report, the higher your chances of recovery.
2. Request a Transfer Recall or Reversal
Ask the bank to initiate a transfer recall.
What happens:
Your bank contacts the receiving bank
The receiving bank places a lien (temporary restriction) if funds are still available
The recipient is contacted for consent
Banks cannot debit the recipient’s account without permission, unless ordered by a court.
How Long Does It Take to Retrieve Wrong Transfers?
Situation Timeframe
Reported within minutes & funds untouched 24–72 hours
Recipient already withdrew funds Days to weeks
Legal action required Weeks to months
If You Sent Money to a Wrong Bank Account Number
Scenario 1: Account Number Does Not Exist
Good news
The transaction usually fails or reverses automatically within 24–48 hours.
Scenario 2: Account Number Exists
Money is credited
Recovery depends on recipient cooperation
HOW TO RETRIEVE MONEY SENT TO A WRONG ACCOUNT ON OPAY
OPay is one of the fastest fintechs in Nigeria, but reversals still follow strict rules.
Steps to Take on OPay
Open the OPay app
Go to Help & Support
Select Transfer Issues
Choose Sent to Wrong Account
Submit:
Transaction reference ID
Date & time
Amount sent
Wrong recipient details
What Happens Next
OPay contacts the recipient
Funds are placed on temporary hold (if untouched)
Refund is processed only if recipient agrees
Timeline: 24 hours – 5 working days
If funds are withdrawn, recovery becomes harder.
HOW TO RETRIEVE MONEY SENT TO A WRONG ACCOUNT ON PALMPAY
PalmPay allows fast reporting, which improves recovery chances.
Steps on PalmPay
Open PalmPay app
Tap Me → Help Center
Select Transfer Problems
Report Wrong Transfer
Upload transaction details
PalmPay Recovery Process
PalmPay verifies transaction
Recipient is notified
Consent is requested
Refund processed upon approval
PalmPay does not auto-reverse transfers.
Timeline: 1–7 working days
HOW TO RETRIEVE MONEY SENT TO A WRONG ACCOUNT ON MONIEPOINT
Moniepoint handles both personal accounts and POS merchants, which affects recovery speed.
Steps on Moniepoint
Contact Moniepoint support immediately
Submit:
Transaction ID
Amount
Date & time
Recipient account details
Important Note
If the recipient is a Moniepoint POS agent, recovery may be faster
If recipient withdraws funds, legal escalation may be required
Timeline: 2–10 working days
What If the Recipient Refuses to Return the Money?
This is where many people get stuck.
Legal Position in Nigeria
Under Nigerian law, keeping money sent to you by mistake is illegal and can be considered:
Unjust enrichment
Fraud (in some cases)
Steps You Can Take:
Ask your bank to escalate the issue
File a formal complaint
Write a petition (through the bank)
As a last resort, seek legal action
Most recipients return funds once they realize the legal consequences.
Can Banks Reverse Transfers Without Permission?
No, banks cannot debit someone’s account without:
The recipient’s consent, or
A court order
This is why speed and proper reporting are crucial.
How to Avoid Sending Money to the Wrong Account Again
Always confirm account name
Never ignore name mismatches.
Send a small test amount
Especially for large transfers.
Avoid rushing
Most errors happen due to haste.
Save frequent beneficiaries
This reduces manual entry errors.
Frequently Asked Questions (FAQs)
Can I retrieve money sent to a wrong account after several days?
Yes, but recovery becomes harder if the funds have been withdrawn.
What if the recipient has already spent the money?
Recovery may require legal intervention.
Can banks track the recipient?
Yes, banks can identify the account holder but cannot share details directly with you.
Is sending money to a wrong account irreversible?
No, but it is not guaranteed either.
Final Thoughts
Sending money to a wrong account in Nigeria is stressful, but acting fast increases your chances of recovery significantly. Always report immediately, follow up persistently, and understand that banks must follow legal procedures.
If you found this guide helpful, consider sharing it — it might save someone else from losing their money.
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Cooking Gas: FCT residents express relief as price drops
Many residents of the Federal Capital Territory (FCT) have expressed relief over the drop in price of Liquefied Petroleum Gas (LPG), popularly known as cooking gas.....TAP TO CONTINUE READING
The residents, who spoke to the News Agency of Nigeria (NAN) on Sunday in Abuja, urged the Federal Government to sustain the price reduction, saying it would ease the financial burden on households.
NAN reports that one kilogramme (kg) of cooking gas now sells for between N1,080 and N1,400 across various outlets in the FCT, with NIPCO selling at the lowest price of N1,080 per kg.
Mrs Victoria Ahaneku, a civil servant, described the reduction as a positive development, saying it could have far-reaching benefits for consumers and the economy.
“ The reduction in the price of cooking gas will increase consumer spending power because they have more disposable income to spend on other goods and services.”
Ahaneku called for further reduction, noting that many Nigerians still found cooking gas unaffordable and had resorted to charcoal, which was also costly.
Similarly, Mrs Mary Olobeyo, a businesswoman, said the price drop was a relief but stressed the need for sustainability and further reductions to make the product affordable.
Olobeyo said transportation, storage, and retail costs also contributed to the price of cooking gas.
“The government at all levels should adopt a combination of infrastructural, regulatory, and diversification strategies.
“This can be achieved by investing in alternative transportation and distribution methods, such as pipelines and rail, to reduce dependence on expensive road tanker trucks, ” she said.
Aisha Abubukar, a Teacher, also welcomed the reduction but expressed concern over frequent price fluctuations.
According to her, the price of cooking gas is always unstable. What Nigerians want is a sustained reduction.
“ A further drop in cooking gas prices will encourage domestic usage and increase penetration across the country, she said.
Mr Adebayo Olurunfemi, a businessman, said that although the price reduction was commendable, it was not significant enough considering the prevailing cost of living in the country.
“ I commend the government for intervening and ensuring the issues at the Dangote Refinery and other depots were resolved, but more still needs to be done.
“The cost of living remains high in Nigeria with all sorts of taxes now, coupled with high rent, school fees, petrol prices, and bank charges, among others.
“Nigerians are still struggling daily. So the government still has a lot to do to make life easy for the people,” he said.
Charity Samuel, a public servant, also expressed satisfaction with the price reduction, urging the government to ensure further reduction to improve affordability.
“Nigerians are experiencing low purchasing power, so cheaper essential items like cooking gas will greatly help us.
“Many families rely on cooking gas because it is the cleanest cooking option. The government should ensure it is readily available and affordable to encourage wider usage,” she said.
NAN recalls that the Federal Government had assured Nigerians that cooking gas prices would normalise after rising to as high as N1,800 per kg in September 2025, following the strike by the Petroleum and Natural Gas Senior Staff Association of Nigeria (PENGASSAN).
The Minister of State for Petroleum Resources (Gas), Dr Ekperikpe Ekpo, had attributed the price surge to the industrial action at the Dangote Refinery and maintenance activities at the Nigeria LNG Train Four facility.
Ekpo said the Federal Government had directed the Nigerian Midstream and Downstream Petroleum Regulatory Authority (NMDPRA) to intensify monitoring of LPG depots nationwide to prevent hoarding.
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BREAKING: Abroad-based Nigerian man reportedly deported after returning a lost wallet to the police
An Abroad-based Nigerian man has been reportedly deported from Europe after returning a lost wallet to the police, an act of honesty that unexpectedly exposed his immigration status.....TAP TO CONTINUE READING
In a viral video shared on X (formerly Twitter) by AsakyGRN, the man recounted how the Nigerian found a lost wallet and decided to do the right thing by taking it to the police station.
However, when officers asked for his ID, he was unable to provide one.
It was later discovered that he was living in the country as an illegal immigrant, leading to his eventual deportation.
The story triggered emotional reactions online. One commentator wrote, “This world no balance. Person do good, na punishment follow.”
Another said, “Law is law. The police did their job.” Others expressed sympathy, with one user saying, “He chose honesty over survival. That’s painful.”
The incident has once again highlighted the harsh realities of undocumented life abroad, where even good intentions can come with serious consequences.
Watch video below…
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Art & Commercial students don’t fail JAMB because they’re dull. They fail because they’re taught like Science students. Science students calculate — JAMB rewards that. Art students explain — JAMB doesn’t. So you read hard, attend lessons, yet your score disappoints you. This online class fixes that. No theory overload. No confusion. Just real JAMB questions, clear breakdowns, and winning strategies. 📌 JAMB is not hard — you were just taught the wrong way.Click The Link To Reach Us Now 👉 https://wa.me/2349063958940
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Reality of what happens to your body and mind when you quit weed with major change one week in
Warning: This article contains discussion of drug use and addiction....TAP TO CONTINUE READING
Planning to begin a detox from cannabis? Here are all the changes you can expect to take place in your mind and body.
Marijuana is considered to be the most widely used recreational drug across most of the UK, with statistics suggesting around 2.3 million people smoked weed within the past year, despite being illegal to own or sell.
The drug’s legality, however, varies around the world, with countries such as Canada and several US states allowing recreational or medical cannabis use for their citizens.
However, with laws around the drug constantly changing, there have been numerous conversations about the safety of cannabis usage and the risks of addiction.
So if you’re wondering about the dangers of prolonged marijuana use or planning to kick the habit altogether, here is what you need to know.
When it comes to recreational drugs, weed is one of the most popular
What happens to your mind and body when you quit weed?
According to guidance from American Addiction Centres, withdrawal symptoms will typically begin within 24 to 72 hours after you last use weed.
First week
Within the first 72 hours, frequent cannabis users can expect to experience symptoms such as:
Anxiety or low mood
Headaches
Sweating
Nausea
Stomach Pain
Insomnia is considered to be a common symptom for anyone going through withdrawal, with statistics suggesting that three-quarters of those who go from regular use to completely quitting experience difficulty sleeping.
The physical symptoms will typically peak around the third day, with some patients even vomiting or experiencing excessive sweating.
By the fourth day after beginning a detox, the physical symptoms will begin to ease, and these will be replaced by psychological side effects such as irritability, anxiety and depression.
Cleveland Clinic explains that these symptoms are caused by neurobiological changes triggered by THC, the psychoactive compound in cannabis, your stress response, personality traits and overall mental health.
These will likely persist for the first week of detox.
Concerns about the drug and addiction risk have prevented several countries, including the UK, from legalising or decriminalising cannabis
Cleveland Clinic adds that, on average, marijuana withdrawal will begin to subside after two weeks; it can be longer depending on the amount of THC in your system and how heavily you were using the drug.
After 10 days, American Addiction Centres states that symptoms will begin to subside for most people and that the drug will completely exit the system after 30 days.
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Art & Commercial students don’t fail JAMB because they’re dull. They fail because they’re taught like Science students. Science students calculate — JAMB rewards that. Art students explain — JAMB doesn’t. So you read hard, attend lessons, yet your score disappoints you. This online class fixes that. No theory overload. No confusion. Just real JAMB questions, clear breakdowns, and winning strategies. 📌 JAMB is not hard — you were just taught the wrong way.Click The Link To Reach Us Now 👉 https://wa.me/2349063958940
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