£200 moved from my savings account to my main account?

Question

I’m with HSBC and from the UK. Basically last night at 01:49am i had £200 transferred from my savings account to my main bank account. And i did not move this money. I don’t understand why this money was moved as i didn’t even do it.

I do occasionally transfer money from my savings account to my main account if i need some extra money for something. But i can assure you i did not move that money which is why it’s bothering me. Just over 3 weeks ago, i did transfer £200 from my savings account to my main account, which i remember doing. But this transfer i definitely did not do myself.

I contacted HSBC and they do not know why it was transferred. There isn’t a direct debit or standing order for that amount. They gave me a number for the fraud department which i am going to phone later. 

If it is fraud and someone has access to my account, why would they transfer £200 from my savings account to my main account? Surely they would just take money out? 

Answer 1

More than likely, the prior transfer somehow got entered into the system as a new transfer request. It is possible that the error was made by you by mistake. It is also possible that the bank made an error.

It is NOT likely that a 3rd party that had access to you account would make such a transfer.

Answer 2

HSBC are back pedalling. They know exactly how it happened. They cocked it up but they won't admit it. I hope they corrected the error. If not you need to bend their corporate ear.

Answer 3

Call your bank and ask. If your main account was going to go negative, they might have moved the money to prevent that.

Answer 4

Why would you post your question here...but wait until later to call the fraud department?  We cannot help if your account has been compromised...but they can.  



The only thing I can guess is that the transfer may have been done automatically to avoid a pending overdraft.  

Answer 5

Sounds like a computer error, the fact you transferred the same amount, which I'm assuming was the last transfer of that type, is pertinent, banks don't like to admit their software is buggy.