Thanks for the update. However, unless the UPI is activated with the bank account selected naturally by the UPI and show your preferences by running the process, where SMS to Bank in greek and latin seen in sms page, money sent cannot be received; similarly for receiving also. Number 2 Joint accounts are beyond all upi and so many other apps in the market. Individual ac and activated alone, react to cell number, code and ac. And the process of sending will reflect the transferee name clearly Thank you KR IRS 13124
On Sat, 13 Jan 2024 at 11:28, Rangarajan T.N.C. <[email protected]> wrote: > > > I sent a customary sankranti gift for my sister to my nephew's mobile > number as she does not have mobile banking. He said it was not credited > either to his account or his joint account with his wife. He checked again > and said it was credited to his wife's account where she had registered his > mobile number. > So I asked Bard to explain how money gets transferred when sent to mobile > phone and here is the answer > ------------------------------ > > Unfortunately, the answer to which account will be credited is not > straightforward and depends on several factors: > > *1. Mobile Money vs. Bank Transfer:* > > - *Mobile Money:* If you're sending money through a mobile money > service like Paytm, GPay, or PhonePe, the *account linked to the > mobile number as the primary account for receiving money* will be > credited. Some services allow setting default accounts, while others > prioritize accounts based on internal logic. > - *Bank Transfer:* If it's a traditional bank transfer through NEFT, > RTGS, or IMPS, the account details become crucial. > > *2. Sender's Platform:* > > - *Bank App/Website:* When sending through bank apps or websites, you > usually choose the specific account from the linked options before > initiating the transfer. > - *Third-party Apps:* Some third-party apps like UPI platforms (BHIM, > Paytm UPI) may prioritize linked accounts based on their own algorithms or > allow selection before confirmation. > > *3. Recipient's Bank:* > > - *Multiple Accounts with Same Bank:* Some banks allow linking the > same mobile number to multiple accounts. In such cases, the recipient needs > to clarify which account to credit, or the bank's internal logic determines > the destination. > - *Different Banks:* If the mobile number is linked to accounts in > different banks, the sending platform often prompts for additional > information like account number or IFSC code to route the transfer > correctly. > > Therefore, the specific account credited with the money depends on the > combination of these factors. To ensure accuracy, it's always best to: > > - *Confirm with the recipient:* Ask them which account they prefer the > money to be credited to, especially if they have multiple accounts linked > to the same mobile number. > - *Double-check account details:* When initiating the transfer, > carefully review the recipient information, especially on third-party > platforms where automatic selection might occur. > - *Choose specific account (if available):* Many platforms allow > choosing the destination account before confirming the transfer. Utilize > this option for clear routing. > > By taking these steps, you can minimize the risk of sending money to the > wrong account and avoid any confusion or delays. > > > -- You received this message because you are subscribed to the Google Groups "Thatha_Patty" group. To unsubscribe from this group and stop receiving emails from it, send an email to [email protected]. To view this discussion on the web visit https://groups.google.com/d/msgid/thatha_patty/CAL5XZoqHkQ98t-wptamH5HU%2B-05FFYeuSRsKdULkCYA4UKChZg%40mail.gmail.com.
