When the account is locked, it means that the account will not be able to receive the money until the account is reopened.
Last night on September 19, after a famous businessman said to open a livestream to talk “statement” of Thuy Tien and Cong Vinh, the keyword phrase “Temporarily lock the newspaper yes” was searched, reused and returned by many people. the hottest keyword right now.
So what is “Temporarily locking the report yes”?
1. What is a temporary lock?
Temporarily locking the card is the bank’s instructions to the customer on how to temporarily block the card. Temporarily blocking the yes is often used in cases such as lost cards, lost cards or fraudulent transactions arise. At the same time, a temporary lock of the credit report is also performed when the account holder requests it.
Specifically, Article 16 of Circular No. 23/2014/TT-NHNN clearly states that when the account holder or the account holder’s legal representative requests the payment service provider in writing or both parties have If there is a prior written agreement, the service provider will temporarily lock the customer’s payment account, also known as the transaction suspension. This temporary lockout may be part or all of the funds in the account, at the request of the account holder.
2. Is it possible to transfer money to a temporarily locked account?
Once the account has been locked, meaning that the money has been transferred by someone else, the account will not be able to receive until it is reopened. For example, when the account holder has temporarily locked his card, but someone still transfers money, this account will be suspended by the bank. After about 2-3 days (working days), if the account is still temporarily locked, this amount will be refunded to the sender.
The end of the temporary lockout report having an account or during the temporary locking period for processing outgoing and incoming payment orders will be done by the bank based on the account holder’s request or on a written agreement between the two parties. before.
3. In what cases does the account holder receive a notice of temporary lockout?
Regarding this issue, many banking experts also said that the temporary locking of the newspaper can be done at the request of individual customers. Or when the bank detects a transaction error, or the legal authority has a written request and decides to verify, the service provider will also temporarily lock the account.
At that time, the bank will notify the account holder and the entire amount in the account will be kept and at this time the customer’s account may be blocked by the bank.
Regarding the issue mentioned by the businesswoman in the livestream last night, July 19, the transfer of money to a temporarily locked account said yes and “suspended” for 8 months until the account holder reopens for the money transfer order to be successful. is very unlikely. Funds will only be credited to the account if and only if the account is reopened, the funds have not been refunded to the sender and the sender agrees to continue crediting the account.
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