This is not a neutral transaction. But there is a way to get out of this

The new fraud scheme involving BLIK has an extremely simple mechanism

On the surface, the whole transaction looks quite innocent. An unexpected BLIK transfer arrives on our phone number. Immediately afterwards, a stranger contacts us and explains that there was a mistake and therefore asks for a refund. However, there is one big “but”. The sender asks for a refund to a completely different phone number or bank account than the one from which the transfer came.

This solution, at first glance, seems neutral to our wallet, because we neither gain nor lose. In reality, however, we become a link in the fraudulent practices used by criminals. It’s better not to participate in this. In the banking system, the money goes through our account and is transferred further. And although we think we are giving away other people’s money, in fact we are participating in the transfer of funds derived from fraud. For this reason, we may face interrogations, explanations, and even a temporary blocking of the account.

There is a lot of advice on the Internet on how to proceed in such cases. Unfortunately, not all of them are appropriate, and some of them may even seriously harm us. Even the Office of the Financial Ombudsman commented on this matter:

If we receive an unexpected transfer, we do not return it to the sender and, above all, we do not transfer it to another indicated account. The safest option is to ask the sender to contact their bank and inform them about the erroneous transfer.

This is the safest solution. Then the bank will contact us officially, asking for a refund, and we will return the money to the bank. The refund of an erroneous transfer should be made as part of the banking procedure. This way, the recipient remains anonymous and the money goes where it should.