I was sent €5000 by mistake

Ulster Bank are buying the KBC loan book so that explains why they have a different IBAN for your car payment.

Just wait for them to sort it out. They will eventually get their money back, banks are good at that.

So much fraud it's best to be safe

Question, off topic/ Credit Card receipts from stores.... the merchant copy, what should happen that copy?

Surely these receipts shouldn't be just put into recycling,

So called contactless payments, lolz, eh yea all the details are on the merchant receipt, all your numbers, expiry, security code.

I DON'T GET IT. Surely there is laws regarding the disposal of merchant credit card receipts ?

Could it be that the person recalling the funds has the same name as you and that is the reason for the mistake initially.

The key to this is not to send funds back yourself and that will be paid with your legit money while the other funds you got in could be recalled any day and you would then be down the recalled amount plus the amount you paid out.

Tell the bank, to reverse transaction.

Nope.

You aren't requesting anything. Tell your bank you didn't request this

Make them do it right. If anything goes wrong here if your name is the requestor you are to blame, not them.

DD missed is their problem. Resubmit and it'll be claimed ok.

You shouldn't need to do anything to fix their fck up

Check the credit bureau afterwards that your credit worthiness hasn't been affected. If it has then issue letter if complaint outlining what you want them to do to resolve it and by when. If they refuse complaint to ombudsman. (Probably do this in any case).

The payment is in your account for more than 5 days, therefore it is cleared funds and therefore your bank simply requires your permission to reverse that payment.