The lawyer told about the way to return the money transferred to a closed account.

Sending money to a closed bank account usually does not lead to a loss of funds, since payments using such details are most often not credited and automatically returned to the sender. This was announced on May 7 by Alexander Khaminsky, head of the Law Enforcement Center in Moscow and the Moscow Region.

"If the money has not been returned after a few days and has not been received by the recipient, you need to contact the bank," he explained in an interview with the Prime agency.

According to the expert, it usually takes from one to three business days for a refund. If the transfer was sent on a weekend or public holiday, the deadline may be extended.

However, in some cases, the money may reach a closed account and hang on the bank's technical accounts. In this case, an automatic refund does not occur, and the sender must contact the support service of the sending bank or personally contact the branch.

Khaminsky noted that the bank needs to write a statement about the cancellation of the erroneous operation. According to him, the sooner a person applies, the higher the chance of stopping and refunding the payment. The lawyer also advised that before sending money, carefully check the details and, if necessary, clarify the account number with the recipient. He stressed that even if the automatic refund did not work, the money would not be lost.

If the bank or the recipient refuses, the funds can be returned through the court. Khaminsky added that it is not worth delaying the appeal, since banks transfer some inactive accounts to the category of "sleeping" ones, and in this case it will be more difficult to return the money.

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On April 26, Tatyana Belyanchikova, Associate Professor of the Department of Global Financial Markets and Fintech at Plekhanov Russian University of Economics, said that an ATM might not be able to issue money not only due to lack of funds or deterioration of a bank card, but also for security reasons. The economist clarified that banks are required to comply with legislation on combating financial crimes. If the transaction is considered suspicious and non-standard, the bank can stop it.