This banking process becomes free, but it risks losing a lot of money to those who use this type of payment systematically.
Any new measure is generally scrutinized by malicious people, who take advantage of the opportunity to position themselves and target their next victims. And good news is sometimes accompanied by certain risks that you need to be wary of. On Twitter, the community platform Signal-Arnaques informed Internet users of the dangers which could cause French people to lose even more money.
Indeed, from January 9, 2025, all banks in France will make instant transfers free, whereas until now they had to be paid for in the majority of banking establishments. Good news for customers who will now no longer need to pay extra, thanks to a revision of the European regulation on instant bank transfers. “But don’t use them systematically.” warns Signal Arnaques, which recommends that individuals reserve this type of transfer “for relatives or accounts to which you are used to transferring money”. In other words, for people in whom you completely trust .
And for good reason: if you happen to be the target of a scammer and you make an instant transfer, you risk losing everything. “Instant transfer makes it impossible to recall funds in the event of problems,” the site adds. This payment being immediate, “it is not possible to cancel it, from the moment it has been received by your bank due to the irrevocable nature of the transfers” specifies the Banque de France.
In addition, if a customer realizes the deception after having made an instant transfer on a fraudulent site, the bank will not be able to reimburse, its liability being incurred only in the event of an entry or technical error . It will nevertheless be able to provide all the information it has to enable the client to take legal action. Although instant transfers become free, take the time to carefully verify the recipient you plan to send money to.