楼主读读这篇文章，是英国的做法。再询问一下南洋版主。只有银行通知你而你拒绝，对方才能把你告上small claim tribunal。不然他就等着被法官训斥法盲或浪费法律资源吧。

http://www.mirror.co.uk/money/what-happens-you-transfer-money-6076619

I have transferred money to the wrong account. How do I attempt to recover the funds?

You may follow the below steps:

Step 1: Record the account number of the wrong recipient that you have set up. After you have recorded it down, delete this recipient from your list of recipients.

Step 2: Proceed to the nearest branch immediately to sign a form in order to recover your funds. Please provide our staff at the branch with the following information:

Date of transaction
The account number from which the funds were debited from
The wrong account number to which funds were transferred to
The name of the bank and the branch the funds were transferred to
The transaction amount
The transaction reference number (if available)
We will then attempt to help you retrieve the funds which were transferred to the wrong account.

Source: https://www.posb.com.sg/personal/ibanking/faq/funds-transfer-3rdparty.page

并且无缘无故转钱到你账户下，再加电话短信滋扰，可视为骚扰。

参照Personal Data Protection Act （https://www.pdpc.gov.sg/legislation-and-guidelines/legislation）