Hey bunqers 🌈,

Let’s break down what you can do if you've accidentally mistyped an IBAN or selected the wrong recipient, resulting in your money going to an unknown receiver.

While we can’t initiate a refund or ensure that the recipient cooperates with the recall, we will do our best to help you get your money back.

📌 Important: Have you been tricked into sending funds to an unknown IBAN? Submit a fraud report through our website form.

IBAN Name Check 

When entering the recipient’s IBAN and name, we perform an IBAN Name Check to help you confirm the details. If the name doesn’t match the IBAN, we will show you a warning. You may still choose to proceed, but please only continue if you trust the recipient. You can read more about this check here. 

Did you send money to bunq's internal IBANs?

Have you transferred the money to any of these IBANs?

• NL04ADYB2017400157 (Adyen)

• NL78BUNQ2291284258

• NL83BUNQ2025105789

• NL46BUNQ2115632966

• DE83370190001011011182

These are bunq’s internal accounts, often used for payment processing (e.g., iDeal payments). Don’t worry - your money will bounce back to your account within 1-2 business days as a regular transfer. If you’ve sent money to our internal Adyen IBAN, they'll return to your Bank Account in 8 business days.

Note: If your money hasn’t arrived within 2 business days, make sure to request an in-app payment investigation

Do you know the recipient?

If you know the recipient, contact them directly and politely request them to return the money. They can send it back as a regular bank transfer.

Is the unknown recipient’s IBAN Dutch?

If the recipient's IBAN belongs to another Dutch bank:

• Reach out to the bank linked to this IBAN and explain the situation.

• If the recipient bank’s not willing to cooperate, contact us via the Support button in your Profile.

• Please provide screenshots of your communication attempts with the other bank. We’ll investigate further, reach out to the other bank and initiate a recall on your behalf.

• We will communicate with you immediately via our in-app chat once we hear back about the recall. Please keep in mind that the return of the money is entirely up to the recipient and we cannot guarantee that the funds will be recovered.

Does the unknown recipient have a bunq IBAN?

If the money was sent to a bunq IBAN:

• Contact our Payments Team via the in-app Support chat

• Explain the issue.

We’ll investigate and reach out to the recipient to ask that the money is returned to you as soon as possible. There is still a possibility that the recipient may be uncooperative and we cannot guarantee that the funds will be recovered.

Is the IBAN a non-Dutch and non-bunq one?

• Contact our Payments Team via the in-app Support chat

• Explain the issue, and we’ll contact the other bank through either email or SWIFT to initiate a recall on your behalf.

• We will communicate with you immediately via our in-app chat once we hear back about the recall. Please keep in mind that the return of the money is entirely up to the recipient and we cannot guarantee that the funds will be recovered.

How do recalls work? 

Whenever you request a recall for a wrong IBAN payment, our Payments team will send a recall request on your behalf to the beneficiary’s bank. The beneficiary’s bank will then contact the account holder you sent the payment to. Since the money is successfully credited to another bank account, the return of the money depends entirely on the recipient’s consent. Therefore, a recall is not guaranteed. The money can only be returned if the account holder agrees and their bank approves.

This process can take several days to a few weeks, depending on how quickly the receiving bank responds. We’ll keep you updated about the status of your recall request through the secure in-app Support chat. 

What if the IBAN is no longer active or doesn’t exist?

Don't worry - just like with our internal IBANs, your money will be returned to your account within 1-2 business days as a regular transfer.

What if the IBAN is in a different currency?

If the IBAN you sent money to is in a different currency, the money will still be returned to your account as a regular payment within 1-2 business days.