网银转账怎么撤销

在当今数字化的金融时代，网银转账已成为我们日常生活中常见的资金交易方式。然而，有时可能会因为各种原因需要撤销已经发起的网银转账。那么，网银转账究竟该如何撤销呢？

首先，我们需要明确的是，网银转账的撤销情况因转账方式和时间的不同而有所差异。

对于实时转账，即在网银上提交成功后对方即可收到款的方式，这种情况通常是无法撤销的。因为资金几乎是瞬间到达对方账户，没有时间差，所以一旦提交就难以撤回。

而对于普通转账，在提交转账之后，收款人不会立即收到款，一般会在 2-3 个工作日内收到。即使对方还未收到款项，通常也是无法直接撤销的。但在某些情况下，可以联系客服或者前往银行网点柜台申请撤回。

不同银行对于网银转账撤销的具体流程和要求可能会有所不同。以农行为例，使用农业银行网上银行进行转账之后，若发现转账错误需要撤销，首先登录网上银行，依次点击“转账-单笔转账-转账撤销”，进入转账撤销页面；然后在页面选择付款账户及转账类，点击查询后选择需要撤销的转账交易；最后核对好转账信息并确认无误后点击确定，经过安全验证即可成功撤销转账。

跨行转账的撤销方式也有所区别。假如资金已经转出并且操作转账时选择的是实时汇出模式，那就没办法将资金撤回，只能联系收款方让其退款。但如果选择的不是实时汇出模式，资金还未转出，就有机会撤销转账交易，可以在网银或手机银行的转账明细里找到交易选择撤销，或者拨打银行热线电话，通过人工服务通道联系客服人员申请撤销。

此外，在第三方支付平台如支付宝中，如果情况紧急，可以上传报警凭证，就能临时冻结。支付宝联合警方优化了反诈骗的流程：对于选择延时到账的用户，如果在到账前发现被骗，虽然用户无法自行撤回，但只要上传报警的相关凭证，这笔转账就会被临时冻结。一旦警方判断确实系诈骗，转账就能原路返回。除此之外，还有人工智能识别风险诈骗，即便用户没有选择延时转账，如果支付宝的风控识别到转账存在风险，比如收款方账户的交易历史、资金流转行为等比较可疑，支付宝会主动提醒用户进行延时转账，用户在这个时候一定要谨慎转账，确保对方身份无异常再继续转账，否则会产生财产损失。

In today's digital financial era, online banking transfers have become a common method of fund transactions in our daily lives. However, sometimes for various reasons, we may need to cancel an initiated online banking transfer. So, how exactly can we cancel an online banking transfer?

Firstly, it should be made clear that the cancellation of online banking transfers varies depending on the transfer method and time.

For real-time transfers, that is, the method where the other party receives the funds immediately after successful submission on the online banking, this situation is usually not cancellable . Because the funds reach the other party's account almost instantly, there is no time difference, so once submitted, it is difficult to withdraw.

For ordinary transfers, after submitting the transfer, the recipient will not receive the funds immediately and usually receives them within 2-3 working days. Even if the other party has not received the funds, it is usually not directly cancellable . But in some cases, you can contact customer service or go to the bank counter to apply for withdrawal.

The specific processes and requirements for cancelling online banking transfers may vary among different banks. Take Agricultural Bank of China as an example. After making a transfer using the online banking of Agricultural Bank of China, if you find a transfer error and need to cancel it, first log in to the online banking, click "Transfer - Single Transfer - Transfer Cancellation" in sequence to enter the transfer cancellation page; then on the page, select the payment account and transfer type, click to query and select the transfer transaction that needs to be cancelled; finally, after verifying the transfer information and confirming it is correct, click OK, and after passing the security verification, the transfer can be successfully cancelled .

The cancellation methods for cross-bank transfers are also different. If the funds have already been transferred and the real-time remittance mode was selected during the transfer operation, there is no way to withdraw the funds. You can only contact the recipient to ask for a refund . But if the non-real-time remittance mode was selected and the funds have not been transferred, there is a chance to cancel the transfer transaction. You can find the transaction in the transfer details of the online banking or mobile banking and select to cancel, or call the bank's hotline and contact the customer service staff through the manual service channel to apply for cancellation.

In addition, on third-party payment platforms such as Alipay, if the situation is urgent, you can upload the alarm certificate to temporarily freeze. Alipay has jointly optimized the anti-fraud process with the police: For users who choose the delayed arrival of accounts, if they find they are deceived before the arrival of the accounts, although the users cannot withdraw by themselves, as long as they upload the relevant certificates of the alarm, this transfer will be temporarily frozen. Once the police determine that it is indeed fraud, the transfer can be returned to the original route. In addition, there is also artificial intelligence to identify risk fraud. Even if the user does not choose the delayed transfer, if Alipay's risk control identifies that there is a risk in the transfer, such as the transaction history and fund transfer behavior of the recipient's account are relatively suspicious, Alipay will actively remind the user to make a delayed transfer. At this time, the user must be cautious in the transfer to ensure that the identity of the other party is normal before continuing the transfer, otherwise, property losses will occur .