RemittancePulse › Money Transfer Rights › Five-Prong Test

"You typed the wrong number" — the denial providers over-claim

The answer: a provider may only deny your claim on the theory that you supplied an incorrect account or routing number if it proves ALL FIVE prongs of 12 CFR 1005.33(h)(1)-(5), comments 33(h)-1..3. Miss even one, and If ANY prong fails, the denial collapses into a full §1005.33(a)(1)(iv) error: sender's-choice refund-or-resend PLUS the fee-and-tax refund

The five prongs — every one must hold

  1. (1) The provider can DEMONSTRATE the sender provided the incorrect account/routing number or institution identifier
  2. (2) For institution identifiers, the provider used reasonably available means (e.g. the BIC directory) to verify the identifier matched the institution name
  3. (3) The provider warned the sender BEFORE payment that a wrong number can forfeit the funds
  4. (4) The funds actually landed in a third party's account
  5. (5) The provider promptly used reasonable efforts to recover the funds

Names are not numbers

The carve-out covers ONLY alphanumeric account/institution identifiers (account #, routing #, IBAN, BIC, Canadian transit #) — a wrong recipient NAME or wrong institution NAME is NOT within it (comments 33(a)-8/-9)

If any prong fails

If ANY prong fails, the denial collapses into a full §1005.33(a)(1)(iv) error: sender's-choice refund-or-resend PLUS the fee-and-tax refund That includes: 12 CFR 1005.33(c)(2) — the provider must "correct the error as designated by the sender": REFUND or RESEND (making the amount available to the designated recipient without additional cost), sender's choice; a default remedy may apply only if the sender does not elect within a reasonable time (10 days deemed reasonable, comment 33(c)-4) And: 12 CFR 1005.33(c)(2)(ii)(B) + comment 33(c)-8 — for late/non-delivery errors under (a)(1)(iv), the provider must ALSO refund any fees imposed and (to the extent not prohibited by law) taxes collected, INCLUDING third-party/intermediary fees

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Generated 2026-07-07 by RemittancePulse (The Aslan Group LLC) from the same source-cited legal reference data our paid engine uses (12 CFR 1005.30-.36, EFTA, CA Fin. Code §2102). Informational, not legal advice — rules change; verify with the cited instruments and your own receipt. Contact: info@theaslangroupllc.com