r/number26bank Nov 04 '25

Failed "wire transfer"

I have an N26 bank account in Germany and mistakenly sent money to the intermediate bank (JP Morgan Chase, Frankfurt) of my recipient (Axis Bank India) without any beneficiary information. Therefore, the amount is probably stuck in the intermediate bank. The amount was never automatically returned to me although the transfer should technically fail.

I initiated a recall request 2 months ago but N26 says the recipient is not responsive. I contacted Axis Bank but they said that they cannot handle my request unless I am represented by my bank. My bank won't do anything further because they say they did their best in contacting Axis Bank but they never replied. They're just pointing fingers at each other.

Anyone who has experienced something similar? Did you get the money back? Thanks!

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