I woke to find mystery deposit of £51,000 in my bank account – I was rewarded for doing right thing and giving cash back | The Sun

A MAN was left stunned when he woke up and found a mystery deposit of £51,000 in his bank account – but he was rewarded for doing the right thing.

The HSBC customer from Sydney, Australia, made the shocking discovery while randomly checking his banking app last week.

He reported the jaw-dropping transaction to the bank through their online chat app after fighting the urge to hold onto the "life-changing" amount.

"It was pretty tempting to do something dodgy, I'm not going to lie. But a quick Google search saying it's a crime was enough for me," he told Yahoo News Australia.

"[I] brought myself back to reality that this is too good to be true and I won't be keeping that money."

According to money.co.uk, if a sum of money is accidentally paid into your bank or savings account and you know it doesn't belong to you, then you must pay it back.


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They state that keeping this money could lead to you being charged with "retaining wrongful credit" and even if you go out and splash the cash, you will be liable to pay it back anyway.

The bloke said that when he first saw the mega-figure in his banking app, he thought he had lost £51,000 from being hacked – but quickly realised "it was actually the reverse".

He took screenshots of his interaction with the HSBC representative which showed him informing the bank of the bizarre error.

The worker on the app said the transaction sounded "so worrying" before looking into it.

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He soon received an email from the Head of Mortgage Services at HSBC Australia, Tim Mozsny, who assured the man that the payment "dispute" would be resolved.

It is believed the Aussie had received an incorrect cash-back transaction which was followed up the next day with a £4.90 cash advance surcharge.

He also revealed that he later discovered a £50 credit which he guessed was a"thank you" from the party who initially made the transfer.

The man took to social media to post about the mind-blowing transfer but warned others that the situation wasn't as dreamy as some people may think.

He said: "Woke up to £51k transferred into my bank account.

"It was a blissful and magnificent feeling to suddenly have £51k+ in your bank account but overall quite annoying, would not recommend".

An HSBC spokesperson told Mail Online that they could not comment on individual account matters due to client confidentiality. 

"If customers believe an error has been made in regards to their accounts, we ask them to contact our dedicated customer service team," they said. 

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This comes after one man was accidentally paid £127,000 into his bank account and was later jailed after refusing to hand any of the cash back.

Another dad got the surprise of his life when he opened up his bank account to find he had been paid almost £50billion.

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