Money appeared in my bank account

[AlexaShutUp]

Just under £3k has mysteriously appeared in our joint bank account. Dh knows nothing about it. Neither do I.

I will talk to the bank on Monday, but in the meantime, I'm speculating. Could this be something dodgy or a genuine mistake?

It's an Internet transfer from a bank in Swansea.

Report to your bank! If anyone contacts you asking you to transfer it back to another account or anything don't do it til you've spoken to the bank.

It could be a genuine error, but I'd be very suspicious. Can the bank return it to sender?

Can't really understand how the money could have been transferred in error, as you usually have to match the account number with the name when you set up a transfer. But we are definitely not expecting any payments...

Be especially wary if anyone mentions PayPal x

Bank is closed today, so I can't ask them until Monday. I will talk to them, of course.

I'd assume someone has changed a digit & transferred you money for a car sale or something by mistake.
Check with the bank & just don't spend it!

Definitely report it to the bank. It may well be a scam

We won't spend it!

Blimey. Someone somewhere will be having a heart attack wondering where their money has gone! The bank will sort this for you though. Lucky you’re honest.

Seconding other posters don't transfer anything back to anyone either

Yes, certainly won't be transferring anything back to anyone. I'll leave it to the bank to sort out.

May be a scam and if it's a mistaken payment it can be claimed back

Yes agree report to your bank and do not make any transfers if anyone contacts you. Report any contact to your bank also.

Is it a smaller bank/building society that you bank with? Not all banks have the name checking in place yet, so it can still happen if they agree to proceed without it.

@AlexaShutUp

Bank is closed today, so I can't ask them until Monday. I will talk to them, of course.

What bank doesn't have a 7 day phone line these days?

@HelgaGPataki

Is it a smaller bank/building society that you bank with? Not all banks have the name checking in place yet, so it can still happen if they agree to proceed without it.

No, it's one of the big ones.

Maybe they do have a phone line that I can contact today. I'll check.

Call the your banks fraud line. It's always open and they can check.

@ForTheLoveOfSleep

Call the your banks fraud line. It's always open and they can check.

Thank you. I'll do that.

The bank will be open today.

Didn't santander make a major glitch on Christmas day and transfer to third party bank accounts lots of millions? Maybe this is something to do with this

Ooh how exciting if you get to keep it.
Fingers crossed.

Hello! Did you apply for any PPI refunds from your bank? I did. Somehow I missed a cheque they sent to me last year (I honestly don't know how I did that) and suddenly about £3k appeared in my bank account in November.

They had noticed that I hadn't cashed the cheque. I checked with my bank who gave me a number to call to make sure it was all legit. And it was.

So maybe that could be it?

Santander made errors with payments to accounts over Xmas, could be similar issue.

No, didn't apply for any PPI refunds.

It isn't Santander.

I'm out right now but will call the bank when I get home.

I think it maybe mine, I'll PM you my bank details