1. Incorrect payee information: Generally, the payee will return the funds to your account, and the return time limit is the same as the transfer-out time limit. The actual term depends on the receiving bank.

2. The payee information is correct: you can contact the remittance bank first to confirm whether the transfer time limit is exceeded. Inter-bank transfers generally have a time limit for receipt. If it is not exceeded, it is recommended to wait patiently.