{"id":3117,"date":"2025-10-14T20:44:08","date_gmt":"2025-10-14T18:44:08","guid":{"rendered":"https:\/\/www.betaalvereniging.nl\/en\/?post_type=btv_wiki&#038;p=3117"},"modified":"2026-09-08T22:17:37","modified_gmt":"2026-09-08T20:17:37","slug":"recovery-transactions","status":"publish","type":"btv_wiki","link":"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/account-to-account-payments\/recovery-transactions\/","title":{"rendered":"Recovery transactions"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">The <a href=\"#procedure-undue-payments\" type=\"internal\" id=\"#procedure-undue-payments\"><strong><u>Procedure for Undue Payments<\/u><\/strong><\/a> <em>(POB &#8211; Procedure Onverschuldigde Betalingen in Dutch)<\/em> may apply in the event of an error where the payer has accidentally transferred money to the wrong IBAN.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The <strong><a href=\"#procedure-for-reversal-entries\" type=\"internal\" id=\"#procedure-for-reversal-entries\">Procedure for Reversal Entries<\/a><\/strong> <em>(Procedure Herstelboekingen in Dutch)<\/em> can be initiated when, for example, a large business customer has submitted a batch of incorrect transfers or when a bank itself has made incorrect transfers. Examples include a company that has accidentally transferred all salary payments twice or a bank that has accidentally executed a batch of transfers twice.<\/p>\n\n\n\n<h2 id=\"procedure-undue-payments\" class=\"wp-block-heading\">Procedure for Undue Payments<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A transfer from a customer that the bank has executed correctly is irrevocable: the payer and the banks involved cannot reverse the transfer. Only the recipient can voluntarily transfer the amount back to the payer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If the payer does not know who the recipient was or if the recipient does not respond to a request for repayment from the payer, the payer can ask their own bank to submit such a request to the recipient via the recipient&#8217;s bank. The interbank Undue Payments Procedure describes how banks should handle such requests.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Members of the Dutch Payments Association can request the full Procedure for Undue Payments via <a href=\"mailto:giraal@betaalvereniging.nl\">giraal@betaalvereniging.nl<\/a><\/p>\n\n\n\n<h2 id=\"procedure-for-reversal-entries\" class=\"wp-block-heading\">Procedure for Reversal Entries<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Sometimes a large institution, such as a municipality, accidentally submits a batch of incorrect transfers to its bank, or a bank itself makes a mistake in one or more transfers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">These types of obvious incorrect transfers can be reversed by the receiving banks at the request of the paying bank. This happens, for example, after unintentional double transfers or after a technical error. The rules for this are laid down in the <a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/standards-in-payments\/sepa-implementation-guidelines\/#sct\" type=\"link\" id=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/standards-in-payments\/sepa-implementation-guidelines\/#sct\"><strong><u>SCT Rulebook<\/u><\/strong><\/a>, the formal rules and agreements for European transfers of the EPC (<em>European Payments Council<\/em>).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Members of the Dutch Payments Association can request the complete Recovery Booking Procedure via <a href=\"mailto:giraal@betaalvereniging.nl\">giraal@betaalvereniging.nl<\/a><\/p>\n\n\n\n\t<div data-name=\"acf\/table\" >\n\t\t\t\t\t<h3 class=\"mb-4 text-lg font-normal md:text-xl lg:text-2xl\">Banks that implement the Procedure for Reversal Entries<\/h3>\n\t\t\t\t<div class=\"max-w-full overflow-x-auto focus:ring-1\">\n\t\t\t<table class=\"min-w-full overflow-hidden text-base-500 table-auto\">\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<thead class=\"bg-ocean-100\">\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t<tr class=\"even:bg-ocean-50\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th scope=\"col\" class=\"px-3 first:pl-4 first:pr-3 py-3.5 text-left text-md font-bold border border-ocean-300\">Receiving bank (Creditor PSP)<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th scope=\"col\" class=\"px-3 first:pl-4 first:pr-3 py-3.5 text-left text-md font-bold border border-ocean-300\">Available since<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/thead>\n\t\t\t\t\t\t<tbody>\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t<tr class=\"even:bg-ocean-50\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"px-3 py-4 border text-md whitespace-nowrap border-ocean-300\">\n\t\t\t\t\t\t\t\t\tABN AMRO\n\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"px-3 py-4 border text-md whitespace-nowrap border-ocean-300\">\n\t\t\t\t\t\t\t\t\t1-4-2015\n\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t<tr class=\"even:bg-ocean-50\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"px-3 py-4 border text-md whitespace-nowrap border-ocean-300\">\n\t\t\t\t\t\t\t\t\tASN Bank (formerly SNS)\n\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"px-3 py-4 border text-md whitespace-nowrap border-ocean-300\">\n\t\t\t\t\t\t\t\t\t1-4-2015\n\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t<tr class=\"even:bg-ocean-50\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"px-3 py-4 border text-md whitespace-nowrap border-ocean-300\">\n\t\t\t\t\t\t\t\t\tBNG Bank\n\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"px-3 py-4 border text-md whitespace-nowrap border-ocean-300\">\n\t\t\t\t\t\t\t\t\t25-3-2016\n\n\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t<tr class=\"even:bg-ocean-50\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"px-3 py-4 border text-md whitespace-nowrap border-ocean-300\">\n\t\t\t\t\t\t\t\t\tDeutsche Bank\n\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"px-3 py-4 border text-md whitespace-nowrap border-ocean-300\">\n\t\t\t\t\t\t\t\t\t1-8-2023\n\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t<tr class=\"even:bg-ocean-50\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"px-3 py-4 border text-md whitespace-nowrap border-ocean-300\">\n\t\t\t\t\t\t\t\t\tGarantiBank\n\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"px-3 py-4 border text-md whitespace-nowrap border-ocean-300\">\n\t\t\t\t\t\t\t\t\t25-3-2016\n\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t<tr class=\"even:bg-ocean-50\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"px-3 py-4 border text-md whitespace-nowrap border-ocean-300\">\n\t\t\t\t\t\t\t\t\tHandelsbanken\n\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"px-3 py-4 border text-md whitespace-nowrap border-ocean-300\">\n\t\t\t\t\t\t\t\t\t25-3-2016\n\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t<tr class=\"even:bg-ocean-50\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"px-3 py-4 border text-md whitespace-nowrap border-ocean-300\">\n\t\t\t\t\t\t\t\t\tING\n\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"px-3 py-4 border text-md whitespace-nowrap border-ocean-300\">\n\t\t\t\t\t\t\t\t\t1-4-2015\n\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t<tr class=\"even:bg-ocean-50\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"px-3 py-4 border text-md whitespace-nowrap border-ocean-300\">\n\t\t\t\t\t\t\t\t\tKAS BANK\n\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"px-3 py-4 border text-md whitespace-nowrap border-ocean-300\">\n\t\t\t\t\t\t\t\t\t25-3-2016\n\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t<tr class=\"even:bg-ocean-50\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"px-3 py-4 border text-md whitespace-nowrap border-ocean-300\">\n\t\t\t\t\t\t\t\t\tKnab\n\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"px-3 py-4 border text-md whitespace-nowrap border-ocean-300\">\n\t\t\t\t\t\t\t\t\t1-8-2023\n\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t<tr class=\"even:bg-ocean-50\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"px-3 py-4 border text-md whitespace-nowrap border-ocean-300\">\n\t\t\t\t\t\t\t\t\tVan Lanschot Bankiers\n\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"px-3 py-4 border text-md whitespace-nowrap border-ocean-300\">\n\t\t\t\t\t\t\t\t\t1-4-2015\n\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t<tr class=\"even:bg-ocean-50\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"px-3 py-4 border text-md whitespace-nowrap border-ocean-300\">\n\t\t\t\t\t\t\t\t\tMUFG Bank\n\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"px-3 py-4 border text-md whitespace-nowrap border-ocean-300\">\n\t\t\t\t\t\t\t\t\t25-3-2016\n\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t<tr class=\"even:bg-ocean-50\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"px-3 py-4 border text-md whitespace-nowrap border-ocean-300\">\n\t\t\t\t\t\t\t\t\tRabobank\n\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"px-3 py-4 border text-md whitespace-nowrap border-ocean-300\">\n\t\t\t\t\t\t\t\t\t1-4-2015\n\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t<tr class=\"even:bg-ocean-50\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"px-3 py-4 border text-md whitespace-nowrap border-ocean-300\">\n\t\t\t\t\t\t\t\t\tTriodos Bank\n\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"px-3 py-4 border text-md whitespace-nowrap border-ocean-300\">\n\t\t\t\t\t\t\t\t\t1-4-2015\n\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/tbody>\n\t\t\t\t\t\n\t\t\t\t\t\t\t<\/table>\n\t\t<\/div>\n\t<\/div>\n\n\n\n\t<div data-name=\"acf\/working-groups\" class=\"alignfull\" >\n\t\t<div class=\"ll-container\">\n\n\t\t\t\n\t\t\t<div class=\"space-y-4 @container\">\n\n\t\t\t\t\t\t\t\t\t<h2 class=\"mb-4 text-xl md:text-2xl break-words\">Working together to ensure reliable bank transfers<\/h2>\n\t\t\t\t\n\t\t\t\t<ul class=\"items-stretch grid-cols-1 gap-8   grid\">\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t\n<div data-component=\"teaser-post\" class=\"relative flex h-full bg-ocean-50 hover:bg-ocean-100 focus-within:bg-ocean-100 transition-colors flex-col @5xl:flex-row \">\n\t\t\t<div class=\"relative aspect-video image:absolute image:w-full image:h-full image:object-cover shrink-0 w-full @5xl:w-1\/2 @5xl:h-full\">\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Samen-kijken-naar-bankzaken-aan-de-tafel-1874364250-1024x683.jpg\" class=\"attachment-large size-large\" alt=\"\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Samen-kijken-naar-bankzaken-aan-de-tafel-1874364250-1024x683.jpg 1024w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Samen-kijken-naar-bankzaken-aan-de-tafel-1874364250-300x200.jpg 300w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Samen-kijken-naar-bankzaken-aan-de-tafel-1874364250-768x512.jpg 768w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Samen-kijken-naar-bankzaken-aan-de-tafel-1874364250-1536x1024.jpg 1536w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Samen-kijken-naar-bankzaken-aan-de-tafel-1874364250-2048x1365.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\n\t\t<\/div>\n\t\n\t<div class=\"flex flex-col p-6 grow @4xl:p-10 @5xl:gap-8 @5xl:justify-between w-full  @5xl:w-1\/2\">\n\t\t<div class=\"flex flex-col gap-2 @4xl:gap-4\">\n\t\t\t<h3 class=\"order-2 font-normal break-words text-md @md:text-lg @4xl:text-xl\">\n\t\t\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/working-groups\/account-to-account\/\" class=\"absolute-link underline-fade-in\">\n\t\t\t\t\tAccount-to-account Working Group\n\t\t\t\t<\/a>\n\t\t\t<\/h3>\n\n\t\t\t\t\t\t\t<p class=\"order-3 text-sm @md:text-base\">\n\t\t\t\t\tThe Account-to-account Working Group manages and improves joint agreements, procedures, and standards for Dutch account-to-account payments. Payment service providers collaborate within the group to ensure secure, efficient, and reliable daily payments.\n\t\t\t\t<\/p>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<\/ul>\n\n\t\t\t\t<ul class=\"grid items-stretch grid-cols-1 gap-4 hidden\">\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t\n<div data-component=\"teaser-post\" class=\"relative flex h-full bg-ocean-50 hover:bg-ocean-100 focus-within:bg-ocean-100 transition-colors flex-col @5xl:flex-row \">\n\t\t\t<div class=\"relative aspect-video image:absolute image:w-full image:h-full image:object-cover shrink-0 w-full @5xl:w-1\/2 @5xl:h-full\">\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Samen-kijken-naar-bankzaken-aan-de-tafel-1874364250-1024x683.jpg\" class=\"attachment-large size-large\" alt=\"\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Samen-kijken-naar-bankzaken-aan-de-tafel-1874364250-1024x683.jpg 1024w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Samen-kijken-naar-bankzaken-aan-de-tafel-1874364250-300x200.jpg 300w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Samen-kijken-naar-bankzaken-aan-de-tafel-1874364250-768x512.jpg 768w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Samen-kijken-naar-bankzaken-aan-de-tafel-1874364250-1536x1024.jpg 1536w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Samen-kijken-naar-bankzaken-aan-de-tafel-1874364250-2048x1365.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\n\t\t<\/div>\n\t\n\t<div class=\"flex flex-col p-6 grow @4xl:p-10 @5xl:gap-8 @5xl:justify-between w-full  @5xl:w-1\/2\">\n\t\t<div class=\"flex flex-col gap-2 @4xl:gap-4\">\n\t\t\t<h3 class=\"order-2 font-normal break-words text-md @md:text-lg @4xl:text-xl\">\n\t\t\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/working-groups\/account-to-account\/\" class=\"absolute-link underline-fade-in\">\n\t\t\t\t\tAccount-to-account Working Group\n\t\t\t\t<\/a>\n\t\t\t<\/h3>\n\n\t\t\t\t\t\t\t<p class=\"order-3 text-sm @md:text-base\">\n\t\t\t\t\tThe Account-to-account Working Group manages and improves joint agreements, procedures, and standards for Dutch account-to-account payments. Payment service providers collaborate within the group to ensure secure, efficient, and reliable daily payments.\n\t\t\t\t<\/p>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<\/ul>\n\n\t\t\t\t\t\t\t\t\t<div class=\"flex justify-end\">\n\t\t\t\t\t\t\n\n\n\n<a\n\tdata-variant=\"link\"\n\tdata-size=\"default\"\n\tclass=\"group inline-flex justify-center items-center gap-2 cursor-pointer text-sm md:text-md transition-[background,border-color,color] min-w-[52px] md:min-w-[60px] min-h-0 md:min-h-0 px-0 md:px-0 pt-2 pb-1 border-b-2 font-bold border-b-transparent text-base-500 hocus:border-b-current\"\n\n\t\n\t\t\thref=\"https&#x3A;&#x2F;&#x2F;www.betaalvereniging.nl&#x2F;en&#x2F;working-groups&#x2F;account-to-account&#x2F;\"\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t>\n\t\n\t\t\t<span data-button-text>\n\t\t\tMore about the Account-to-account Working Group\n\n\t\t\t\t\t<\/span>\n\t\n\t\t\t\t\t\t<span class=\"transition-transform group-hover:translate-x-2 group-focus-visible:translate-x-2 flex items-center justify-center w-[1em] h-[1em] icon \" aria-hidden=\"true\">\n\t\t\t<svg aria-hidden=\"true\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M21.3105 10.9395L21.4141 11.0537C21.8942 11.6429 21.8596 12.5115 21.3105 13.0605L13.5 20.8711L11.3789 18.75L16.6289 13.5H2.25V10.5H16.6289L11.3789 5.25L13.5 3.12891L21.3105 10.9395Z\" fill=\"currentColor\"\/>\n<\/svg>\n\n\t\t<\/span>\n\n\t\t\t\n\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n","protected":false},"excerpt":{"rendered":"<p>If a customer of a Dutch bank accidentally transfers money to the wrong Dutch IBAN, there is an interbank procedure for undue payments that allows that bank customer to ask the (unknown) recipient to refund the transfer. If a large business customer or a bank makes incorrect transfers, for example for incorrect amounts or duplicate transfers, there is a procedure for corrective entries between Dutch banks that can be used to rectify the error.<\/p>\n","protected":false},"featured_media":3446,"parent":3108,"menu_order":0,"template":"","meta":{"_acf_changed":true,"editor_notices":[]},"btv_subject_tax":[30],"class_list":["post-3117","btv_wiki","type-btv_wiki","status-publish","has-post-thumbnail","hentry","btv_subject_tax-account-to-account-payments"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin  - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Recovery transactions - Dutch Payments Association<\/title>\n<meta name=\"description\" content=\"Recovery transactions explained: POB for wrong IBAN transfers and reversal entries for incorrect batch payments.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/account-to-account-payments\/recovery-transactions\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Recovery transactions\" \/>\n<meta property=\"og:description\" content=\"Recovery transactions explained: POB for wrong IBAN transfers and reversal entries for incorrect batch payments.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/account-to-account-payments\/recovery-transactions\/\" \/>\n<meta property=\"og:site_name\" content=\"Dutch Payments Association\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-08T20:17:37+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/empty-country-road-motion-blur-trees-fast-forward-drive-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1707\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@NLbetalen\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/knowledge-base\\\/account-to-account-payments\\\/recovery-transactions\\\/\",\"url\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/knowledge-base\\\/account-to-account-payments\\\/recovery-transactions\\\/\",\"name\":\"Recovery transactions - 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