Recently, I faced an issue where my money was debited from my bank account, but I didn’t receive the service I paid for. Whether it’s an ATM transaction failure, an unsuccessful online purchase, or incorrect bank charges, these problems can be frustrating. That’s when I realized the importance of writing a proper application to the bank for refund of money.
If you’re in a similar situation, don’t worry. I’ve compiled different sample applications for various refund requests from failed ATM transactions to charge reversals. These formats are simple, effective, and suitable for different banks and scenarios.
Use these templates to raise your complaint and request your refund in the right manner
Sample Application to Bank for Refund of Money
Date: {insert date}
To,
The Manager,
[Bank Name],
[Branch Address]
Subject: Request for Refund of Deducted Amount
Dear Sir/Madam,
I am writing to bring to your attention an issue concerning my account number [Your Account Number]. On [Date], an amount of ₹[Amount] was erroneously deducted due to [brief description of the issue, e.g., failed ATM transaction, incorrect online transfer].
I kindly request you to investigate this matter and initiate a refund of the deducted amount at the earliest. I have attached the relevant transaction details and supporting documents for your reference.
Thank you for your prompt attention to this matter.
Sincerely,
[Your Name]
[Contact Information]
Request Letter to Bank for Refund of Money
Date: {insert date}
To,
The Manager,
[Bank Name],
[Branch Address]
Subject: Request for Refund of Debited Amount
Dear Sir/Madam,
I am writing to bring to your attention an issue related to my bank account ([Your Account Number]). On [Date], a sum of ₹[Amount] was debited from my account during a [mention type of transaction – e.g., ATM withdrawal/online transaction/UPI payment], but the transaction failed and I did not receive the intended service/product.
The transaction details are as follows:
- Account Holder Name: [Your Full Name]
- Transaction Date: [Date]
- Transaction Amount: ₹[Amount]
- Transaction ID (if available): [Transaction ID]
- Mode of Transaction: [ATM/Online/UPI, etc.]
Despite the failure of the transaction, the amount has not been credited back to my account. I kindly request you to investigate the matter and process the refund as soon as possible.
Please find attached the transaction receipt and other relevant documents for your reference.
I hope for a prompt resolution of this issue.
Sincerely,
[Your Full Name]
[Account Number]
[Contact Number]
[Email ID]
Complaint Letter to Bank for Refund of Money from a Failed ATM Transaction
Date: {insert date}
To,
The Manager,
[Bank Name],
[Branch Address]
Subject: Complaint Regarding Failed ATM Transaction
Dear Sir/Madam,
I attempted to withdraw ₹[Amount] from the ATM located at [Location] on [Date]. However, the transaction failed, and the amount was debited from my account without dispensing any cash.
I request you to look into this matter and process a refund for the aforementioned amount. The transaction ID is [Transaction ID].
Thank you for your assistance.
Sincerely,
[Your Name]
[Account Number]
Request to Bank Manager for Refund of Money
Date: {insert date}
To,
The Manager,
[Bank Name],
[Branch Address]
Subject: Request for Refund of Money Debited from Account
Dear Sir/Madam,
I am writing to request a refund for an incorrect debit of ₹[amount] from my bank account ([Account Number]) on [date]. The transaction was unsuccessful, but the amount was deducted from my account.
The details of the transaction are as follows:
- Transaction ID: [Transaction ID]
- Date of Transaction: [Date]
- Mode: [ATM/Online/UPI/NEFT, etc.]
- Amount Debited: ₹[Amount]
Despite the failed transaction, the debited amount has not been reversed to my account. I kindly request you to look into this matter and process the refund at the earliest.
I have attached supporting documents for your reference.
Thank you for your assistance.
Sincerely,
[Your Full Name]
[Account Number]
[Contact Number]
[Email ID]
Complaint Letter to Bank for Refund of Money from a Failed Online Transaction
Date: {insert date}
To,
The Manager,
[Bank Name],
[Branch Address]
Subject: Complaint Regarding Failed Online Transaction
Dear Sir/Madam,
On [Date], I initiated an online transaction of ₹[Amount] to [Recipient Details]. Unfortunately, the transaction failed, but the amount was still debited from my account.
I request you to investigate this issue and refund the debited amount. The transaction reference number is [Transaction Reference Number].
Thank you for your prompt attention.
Sincerely,
[Your Name]
[Account Number]
Application to Bank Manager for Refund Money in Hindi
दिनांक: {insert date}
प्रबंधक महोदय,
[बैंक का नाम],
[शाखा का पता]
विषय: धनवापसी के लिए आवेदन
महोदय,
मैं आपके बैंक का एक खाताधारक हूँ, जिसका खाता संख्या [आपका खाता संख्या] है। [दिनांक] को ₹[राशि] की एक लेन-देन में त्रुटि हुई, जिसके कारण मेरे खाते से राशि कट गई।
कृपया इस मामले की जांच करें और मेरी राशि वापस करें। मैंने संबंधित दस्तावेज़ संलग्न किए हैं।
आपकी सहायता के लिए धन्यवाद।
सादर,
[आपका नाम]
[संपर्क जानकारी]
Complaint Letter to Bank for Not Refund of Money
Date: {insert date}
To,
The Manager,
[Bank Name],
[Branch Address]
Subject: Complaint Regarding Non-Refund of Debited Amount
Dear Sir/Madam,
I am writing to express my concern regarding the non-refund of ₹[Amount] that was erroneously debited from my account ([Account Number]) on [Date] due to [brief reason, e.g., a failed ATM/online transaction].
Despite submitting a refund request on [Date of original complaint] and following up [mention how many times if applicable], I have not yet received the refund nor any official communication regarding the status of my request.
I request your urgent attention to this matter and kindly ask you to initiate the refund process without further delay. I have attached all necessary documents, including the transaction receipt and previous correspondence, for your reference.
Please treat this as a formal complaint and take appropriate action.
Thank you for your prompt assistance.
Sincerely,
[Your Full Name]
[Account Number]
[Contact Number]
[Email ID]
Application for Reversal of Money
Date: {insert date}
To,
The Manager,
[Bank Name],
[Branch Address]
Subject: Application for Reversal of Erroneous Transaction
Dear Sir/Madam,
I am writing to request the reversal of a transaction amounting to ₹[Amount] that occurred on [Date]. The transaction was made in error, and I kindly ask for its reversal.
Transaction Details:
- Transaction ID: [Transaction ID]
- Date: [Date]
- Amount: ₹[Amount]
Thank you for your understanding and prompt action.
Sincerely,
[Your Name]
[Account Number]
Sample Request for Reversal of Transaction
Date: {Insert Date}
To,
The Manager,
[Bank Name],
[Branch Address]
Subject: Request for Reversal of Incorrect Transaction
Dear Sir/Madam,
I am writing to request the reversal of a transaction that was mistakenly made from my bank account. I hold a savings account with your bank bearing the account number [Your Account Number].
On [Insert Date], an amount of ₹[Amount] was mistakenly transferred to [Incorrect Account Holder Name or UPI ID] instead of the intended recipient. The transaction reference number is [Insert Transaction ID].
I kindly request you to look into the matter and initiate the reversal process at the earliest. I am also attaching a copy of my bank statement and screenshot of the transaction for your reference.
Please let me know if any additional documents or formalities are required from my side.
Thank you for your assistance.
Sincerely,
[Your Name]
[Your Account Number]
[Your Contact Number]
Application for Reversal of Bank Charges
Date: {insert date}
To,
The Manager,
[Bank Name],
[Branch Address]
Subject: Request for Reversal of Unjustified Bank Charges
Dear Sir/Madam,
Upon reviewing my account statement, I noticed a charge of ₹[Amount] on [Date] labeled as [Charge Description]. I believe this charge was applied in error.
I kindly request the reversal of this charge and a correction in my account statement.
Thank you for your assistance.
Sincerely,
[Your Name]
[Account Number]
Structure & Tips for Writing an Application to Bank for Refund of Money
Writing a bank refund request doesn’t have to be complicated. Below is a simple structure you can follow, along with tips to make your application clear and effective.
✅ Application Structure
- Date:
Start with the current date at the top. - Receiver’s Details:
Address your application to:To, The Manager, [Bank Name], [Branch Address] - Subject:
Clearly state the reason for writing. E.g., “Request for Refund of Failed Transaction.” - Salutation:
Use “Dear Sir/Madam” if the manager’s name is unknown. - Body of the Application:
- Introduce yourself and your account number.
- Describe the issue (failed transaction, extra charge, etc.)
- Mention transaction details: amount, date, type, ID.
- Request a refund.
- Ask if any additional documents are required.
- Closing:
Use a polite closing such as:"Sincerely,"or"Thanking you," - Signature:
Include your full name, account number, and contact details.
✍️ Writing Tips
- Use simple and clear language
Avoid complex vocabulary. Make it easy for the reader to understand the issue. - Be polite and professional
Even if you’re frustrated, stay respectful in tone. - Add accurate transaction details
This helps the bank process your request faster. - Keep it concise
Don’t include unnecessary details. - Proofread
Check for typos or incorrect numbers before submitting.
FAQs For Application to Bank for Refund of Money
What details should I include in a refund application to the bank?
You should include your name, account number, transaction amount, date of transaction, transaction ID (if available), type of transaction (ATM, UPI, NEFT, etc.), and a brief explanation of the issue.
How long does it take for a bank to refund money from a failed transaction?
Typically, banks take 3–7 working days to process refund requests. However, in some cases, it might take up to 15 days, especially for failed ATM or UPI transactions.
Can I write a refund request letter in Hindi?
Yes. Most banks accept refund request letters in Hindi, especially in regions where Hindi is widely spoken. Use formal language and include complete details in the letter.
Is it necessary to visit the bank to request a refund?
It depends on the bank’s policy. Some banks allow email applications, while others may require a physical visit with a signed letter and ID proof.
Can I get a refund for wrong UPI transactions?
Yes, but only if the money hasn’t been credited to the wrong account. In such cases, inform the bank and NPCI (if required) immediately. Quick action increases your chances of recovery.
What is the format for a refund letter to SBI or PNB?
The basic format includes:
Date → Bank Details → Subject → Transaction Info → Refund Request → Signature.
We have shared specific templates in this article for SBI, PNB, and other banks.