Mistaken bank transfers in UAE? Using or returning money could be a crime

Authorities in the UAE have raised alarms about a rising type of scam that exploits people’s good intentions. In a recent warning, Dubai Police revealed how fraudsters are now sending money to victims’ bank accounts, only to follow up with emotional pleas asking for it back.

In an advisory video shared by Dubai Police, a man is shown receiving an SMS that Dh10,000 ($2,723) has been deposited into his account. Just moments later, he receives a call from someone claiming the money was transferred “accidentally” and is urgently needed for medical treatment. The caller pleads for its immediate return and provides a different account number for the victim to transfer the money to.

Moved by the urgency and believing the story, the man transfers the amount to the stranger. However, two days later, his bank notifies him that his account has been flagged for a policy violation, revealing he had unknowingly fallen victim to a scam.

Dubai Police: “Never Transfer Money to Strangers”
Dubai Police cautioned residents against such tactics, describing them as increasingly diverse and sophisticated. Authorities stressed that it is critical for the public to remain vigilant and never send money to unknown individuals, even if the sender claims to have made a mistake.

Instead of acting immediately on such emotional appeals, residents are urged to report any unexpected or suspicious transactions to 901, the Dubai Police helpline for non-emergencies.

What To Do If You Receive an Unexpected Transfer
Under UAE law, receiving money by mistake does not entitle the recipient to keep it. Using those funds, even unknowingly, could result in serious consequences, including criminal charges such as unjust enrichment or money laundering.

Here are the official steps residents should follow:

1. Do Not Use or Withdraw the Funds
Leave the money untouched in your account. Using it, even if you believe it was a mistake, may be considered a crime.

2. Contact Your Bank Immediately
Report the transaction to your bank’s customer service or speak to a branch manager. Request an official investigation and keep documentation (emails, chat records, or a reference number).

3. Request to Flag Your Account Temporarily
This protects you if the funds are later tied to fraud or illegal activity. Your bank may reverse the transaction if it is found to have been an error.

4. File a Police Report
Especially if the sender contacts you persistently or aggressively. Visit the nearest police station or use the Dubai Police app to report the case.

5. Do Not Engage with Unknown Senders
If someone contacts you asking for the money back, do not make any transfers yourself. Legitimate reversals are handled strictly through the banking system, not private or third-party transfers.