Sometimes a transfer doesn't arrive at its destination. Your transactions will tell you with two different labels — here's how to read them.
"Not executed"
The transfer never actually left. Typical causes:
Non-existent or incorrectly written IBAN
Beneficiary's account closed or not accepting incoming payments
Insufficient funds at the time of execution
In this case you haven't lost anything: the amount isn't debited (or it's reversed right away). Fix the details and try again.
"Returned" / "Sent back"
The transfer did leave, but the beneficiary's bank sent it back (for example, if the account was closed in the meantime). You'll see two linked transactions: the original outgoing payment and the returned amount.
How to avoid most problems
Copy-paste the IBAN instead of typing it out by hand.
Take the name check warning seriously before sending: if the name and IBAN don't match, double-check with the beneficiary by phone.
If the reason shown in the details isn't clear to you, just write to us with the date and amount: we'll explain it in plain, human language.