Exactly what title says, why is there no way to recoup zelle definitely or wire transfer(maybe?) but if banks send money to wrong person there are severe penalties for not returning.
In: 650
As stated in other comments, terms and conditions are a part of it. The other part is, with Zelle (or ACH ,Wires, Etc.) you gave the bank instructions, and they followed them. It’s not their responsibility to fix your mistake. It’s yours. The bank might be willing to request the money back, but there are no guarantees.
If the bank made a mistake, they would make you whole, whether that means getting the receiving bank to return the money or paying out of their pocket.
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