[SOLVED] UPI Transaction Failed But Money Deducted From Account

[SOLVED] UPI Transaction Failed But Money Deducted From Account

Right now in 2018, UPI is most easy and convenient method of payment in India. Though it is secure and all in one payment gateway but sometimes it causes headache. These days it is common trouble that UPI transaction failed but money deducted from account. Today we are going to share how to solve failed UPI but money deducted problem.

Apps are offering attractive cashback on UPI transactions that’s why popularity is increasing. But transaction failure is common issue even in best UPI apps. That’s why you must know what to do in case of failed UPI transactions.

Solution UPI Transaction Failed But Money Deducted From Account

UPI transaction failure is itself not a big issue because you can re-initiate your transaction. Instead condition becomes more painful when transaction fails and money get deducted from bank account. In this case you should follow below three steps.

#1 Wait And Watch !

Sounds weird? Well its true. Auto-reconciliation mechanism of modern banks automatically return excess debit without a corresponding credit. Hence it would be best option to wait at least 3-4 hours and allow banks to restore your money. Just relax and do your work without any tension.

Passed hours still money not refunded? Then you must roll on to next step.

#2 Contact Your Bank

Best option for any kind of transaction issue is to contact your bank, so same with this case. Do’t worry, there is no need to visit bank for this. You can do it in three steps:-

  • First of all, visit official site of your bank and note there contact number.
  • Call them, enjoy pre-recorded bla bla bla! Then choose option to talk to customer care representative.
  • They will ask date and time when UPI transaction failed etc. Explain them issue and they will register your complain.

Now bank officials will check your UPI transaction details and refund extra debited money. Generally, all complains are resolved within one week, so wait patiently.

#3 Contact UPI App Support Team

Honestly, this does not helps much but sometimes it solves issue much faster. What you have to do is go to help section of UPI app and message about issue. Don’t forget to mention UPI transaction number. Explain your problem with complete details and they will get in touch with you.

Frequently Asked Questions Regarding Best UPI Apps

Google Tez transaction failed but amount debited?

Tez is one of my favorite UPI payment app because of cool scratch cards. Though chances of UPI failure are less but if something wrong happens, you can get help. To create support ticket in Tez app, open Tez UPI app and navigate to Settings >> Help & Feedback >> Contact.

Tez customer care number => You can directly chat with customer care by selecting Phone option in contact us section.

Google Tez also have its own tez support forum to resolve general issues.

Problem with UPI transaction on Phonepe app?

Create support ticket in PhonePe app by navigating to My Account >> Help >> issue with the transaction.

Alternatively, you can shoot a mail at support@phonepe.com with your UPI transaction details.

Paytm transaction failed but money deducted from account?

Select 24×7 help option from left menu bar. Choose your problem type and inform them about failed UPI transaction issue.

Problem with your bank UPI app?

You can visit UPI page of your respective bank or call customer care. Here are some helpful links hdfc upi, citibank upi, axis upi.

Other helpful links.

Problem still not resolved? Here is something really helpful for you, read what expert says about failed UPI at Quora. You must also read how to get refund for failed UPI.

Hope It Help !

So these are things you can do to get refund for failed UPI transaction. Hope it help you to solve problem, UPI transaction failed but money deducted from bank.

It is my personal opinion that you must keep patience while solving such issues. So keep smiling and enjoy tension free life till bank resolves issue. Or leave a comment below and I will try to help you.


22 thoughts on “[SOLVED] UPI Transaction Failed But Money Deducted From Account”

  1. My problem is i have sbi insta saving account which have limit of 1 lakh for incoming transaction and limit was exceeded so at that i have total balance of 11000 so i tried to transfer them to my second account but transaction failed and money didn’t come back its been more than 20 days i used paytm upi to transfer and sbi is my account i am not getting help from both of them paytn saying we successfully refunded and sbi saying we have successfully processed transaction they are not talking about reversal help me suggest me a way please.

      • Hello phone pe transaction 70000 amount transfered fail the amount is 4 days debit the account 2 days after with phone pe confirmation transaction is credited my account but account is not credited i will contact phone pe they will utr transaction number is confirmed i contact both phone pe and sbi they are obligated that’s your problem both sbi and phone pe how will I transaction is resolved the problem

    • In such cases, generally money is refunded within a week. If not refunded, please create support ticket using app.

      If need any help, please feel free.


  2. Hello

    I am Biplaba Kumar Rout. I really want to drag your attention towards one transaction of mine which I did on PhonePe App on dated 20th Dec from my Bank of Baroda account(Acc. no-xxxxxxxxxxxxxx, xyz branch) to State Bank of India account(Acc. No-xxxxxxxxxxx, abc Branch)worth Rs. 15000/- with
    Transaction I’d-Pxxxxxxxxxxxxxxxxxxxxxx

    This amount credited to my SBI account instantly but after a few minutes that money automatically debited from my SBI account with the statement showing “TO TRANSFER UPI/REV/xxxxxxxxxx”.

    Then that money neither credited to my SBI account nor to the Bank of Baroda account. I have also register a complaint near PhonePe team with Ticket id-#xxxxxxxx.

    They request me to consult with both the branch then I also visited both the branches but it becomes zero outcome.

    It is long 13 days and still I doubt from where I will get my Money back.

    So kindly help me out of this trouble

    Thanks and regards
    Biplaba Kumar Rout

    • Hi Biplaba

      As you described, I think amount should be credited back to Bank of Baroda account. I would suggest you to contact branch manager, he/she may able to help you.

        Bank Of Baroda customer care number:- 18002584455 / 18001024455

      If none of methods work and money not refunded within 30 days, you can register a complaint at Public Grievance Portal :- https://pgportal.gov.in/


      • Same problem like B Kumar rout but 50000/- on 20th Dec through phone pe..in this case SBI account to SBI account through phone pe..amount successfully credited to receiver SBI account and reversed..but amount gone some where…both SBI branches and phone pe not responding.. Please help.

    • Hi bro, same problem on my case. It also completed 16 days of the transaction and money not credited to any account. What can I do?

  3. Yesterday on Dated 01.01.2019, a sum or Rs. 4200/- transferred through BHIM SBI Pay at 12:57:30 pm, but till date no amount has been received by the beneficiary under UPI Reference No. xxxxxxxxxxxx. Now I want refund the same in my account.

    with regard

    • Hi Sudesh

      It would be best option to create support ticket by navigating BHIM SBI Pay App >> History (Recent Transactions) >> Raise Dispute.

        You can also seek clarifications regarding failed SBI UPI transactions by mailing at support.upi@sbi.co.in

        BHIM SBI Pay customer care number :- 1800112211 / 18004253800

      Hope this help you. Keep visiting.

  4. I send the money to bookmyshow in 05.12.2018 ..the Money send through the Google pay…. But bookmyshow not confirmed the ticket ..the transaction is failed.. They refund the amount in 06.12.2018 ..the give me the reference ID of the refund transaction …but I didn’t received the money now itself.. Both the side no response ..
    Plzz kindly help me

  5. Dear sir. On 1/1/19 11000 rs is Transfered through UPI number xxxxxxxxxxx. From corporation bank to SBI. But the amount once created n debited. But the debited amount is not refunded. If I ask in bank both SBI and Corporation bank. They are not responsible it seems. Now what should I do. N how can i get money back

  6. Sir I do transaction through bhim UPI an amount of 13000 but there show that transaction failed but money is debited from my account.I am very sad whatever is done with me pls suggest me what I do and tell what the money is created to my account

  7. Dear sir. On 4/1/19 2000 rs is Transfered through UPI number xxxxxxxxxxx. From corporation bank to SBI. But the amount once created n debited. But the debited amount is not refunded. If I ask in bank both SBI and Corporation bank. They are not responsible it seems. Now what should I do. N how can i get money back PLZ HELP ME

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