Manon, Laurent’s wife (assumed first names), contacted us via the orange button Alert us to tell the story of the latter’s misadventure when depositing money at the bank. 10€ were “confiscated” under the pretext that the note seemed suspicious. Can he hope to get them back?
“We’re only talking about 10€ but still…“Manon still doesn’t understand what happened at the ING distributor in Montigny-le-Tilleul when her husband went there. She says: “He went to deposit €300 in the bank and when he returned, he explained to me that €290 had been accepted. As 10 euros seemed suspicious, they did not want to give it back.“
It’s amazement for Manon: “I don’t find that normal. He is a postman, these are his dringuelles (tips) for the year.“
“A legal procedure”
To better understand the situation, we contacted ING’s communications department, which explains that this “procedure“is a”legal obligation“: “When a ticket is deposited at an agency, ATM or CASH point and it is identified as suspicious, the ticket is automatically detained (…) The note is then sent to the National Bank of Belgium (BNB) to verify its authenticity.“
Cases of suspicious notes during deposits are something that happens, says Sylvain Jonckheere, spokesperson for ING. However, he cannot provide precise figures.
A suspicious note “is a note whose visual or tactile characteristics differ from usual standards“, he explains. “This may include altered safety features, abnormal texture, or signs of handling. The ticket machine has a monitoring system to determine if a ticket is suspicious. The criteria used cannot be disclosed, in accordance with current legislation“, adds our interlocutor.
Will Laurent get his money back?
It depends on the authenticity of the ticket. Let us first note that the customer does not have to take any action. “We fully take care of the verification procedure with the BNB“, specifies the spokesperson. Then:
- If the ticket is authentic, the amount will be automatically credited to the customer’s account.
- If the ticket is fake, an official certificate will be sent to the customer who will not be refunded in this case.
This entire procedure can take up to 60 business days. The amount “suspected“does not impact this deadline.”Each suspicious note is treated individually with the same rigor“, underlines Sylvain Jonckheere.
bank ing montigny-le-tilleul deposit of money cash
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