MB WAY is today one of the tools most used by Portuguese people to make instant transfers, with just a mobile phone number needed to send or receive money in seconds. But the same speed that makes it so practical can become a problem when the user makes a mistake with the number or value. After all, is it possible to cancel an MB WAY transfer once it has been sent?
According to Jornal Económico, a website specializing in economics, the answer depends on the state of the operation and the time that passes before the error is detected. In some cases, it is possible to cancel the transaction before the money reaches the recipient. In others, the only option is to try to recover the amount directly from the recipient or, as a last resort, through the courts.
What does it mean to “cancel” a transfer on MB WAY
Canceling an MB WAY transfer means preventing the money from reaching the recipient’s account and causing the amount to return to the originating account, as if it had never been sent. However, this cancellation is only possible in very specific situations, explains Jornal Económico:
- When the transfer is still pending, that is, it has not been completed.
- Or when the recipient does not have MB WAY active, which can keep the money on hold for some time.
Once the operation is marked as “completed”, the application no longer allows you to reverse the transaction.
When can a transfer be pending
Despite being a quick system, the money does not always reach the recipient immediately. There are two scenarios in which the transfer may be pending:
- If the recipient has MB WAY active, the operation may take up to two hours to complete.
- If the recipient does not have MB WAY, the money may be on hold for up to 48 hours. During this period, the recipient receives a notification to join the service and accept the amount. If you do not do so within the deadline, the transfer automatically expires and the amount returns to the sender’s account.
According to Jornal Económico, these situations are the only ones in which the user can cancel the operation without needing the bank’s intervention.
How to check and cancel an MB WAY transfer
If you detect an error, the first step is to act immediately. The sooner you check the status of the transfer, the greater the chances of being able to cancel it.
The steps are simple:
- Access the MB WAY application.
- Enter the “Activity” or “History” section, where all operations are listed.
- Locate the transfer and check the status.
- If it is pending, the “Cancel” option will appear. Upon confirmation, the money returns to your account.
If the transfer is already completed, the option is no longer available, which means the money has already reached the recipient.
What to do if the money has already been sent
When the operation is considered complete, there is no automatic way to reverse it through the app. Still, there are measures you can take:
- Contact the bank: explain the situation. Although the institution cannot cancel the transfer, it can help you formalize a request to contact the recipient.
- Speak to the recipient of the money: if the money was sent in error, try to resolve the situation directly and amicably.
- Recourse to court: if the recipient refuses to return the amount, the law provides that amounts received unduly must be refunded. However, only a court can compel reimbursement.
Reminds you that it is important to keep proof of the operation and any message exchanges that may prove the error, as they can serve as evidence in the event of a dispute.
How to avoid mistakes in the future
Prevention remains the best medicine. To avoid mistakes and complications, follow these recommendations:
- Always confirm the cell phone number before sending.
- Save frequent contacts in the app to reduce the risk of errors.
- Check the value entered, especially when transferring larger amounts.
- Avoid making transfers in a hurry or at moments of distraction.
- If in doubt, send a symbolic amount first and confirm with the recipient before transferring the full amount.
Canceling is possible, but not always
In short, it is only possible to cancel an MB WAY transfer while it is pending or when the recipient does not have the service active. After completion of the operation, the money can only be recovered with the collaboration of the recipient or, as a last resort, through legal means.
Therefore, the recommendation is simple: always check twice before confirming. A few extra seconds of attention can avoid wasting money and a lot of headaches.
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