[jira] [Resolved] (FINERACT-2880) Account Transfer: "Undo Account Transfer" fails with "Insufficient spendable balance" error — user cannot reverse a completed savings-to-savings transfer

["Adam Saghy (Jira)" <ji...@apache.org>]

     [ https://issues.apache.org/jira/browse/FINERACT-2880?page=com.atlassian.jira.plugin.system.issuetabpanels:all-tabpanel ]

Adam Saghy resolved FINERACT-2880.
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    Resolution: Fixed

> Account Transfer: "Undo Account Transfer" fails with "Insufficient spendable balance" error — user cannot reverse a completed savings-to-savings transfer
> ---------------------------------------------------------------------------------------------------------------------------------------------------------
>
>                 Key: FINERACT-2880
>                 URL: https://issues.apache.org/jira/browse/FINERACT-2880
>             Project: Apache Fineract
>          Issue Type: Bug
>            Reporter: Foo Developer
>            Assignee: Foo Developer
>            Priority: Major
>              Labels: Beginner
>             Fix For: 1.16.0
>
>
> Screen
> Clients > Nour Hashem Ismail > Savings > Account Transfers > 1617 (View Account Transfer)
> Test Data
> Transfer ID: 1617
> Amount: AED 4.00
> Transaction Date / Value Date: 24 September 2026
> From: Savings Account 000000899 (IBAN LB05099900080000000000000899), client Nour Hashem Ismail, Axian Main Office
> To: Savings Account SVAE000000386 (IBAN LB790999000800SVAE000000386), client Nour Hashem Ismail, Axian Main Office
> Preconditions
> An account transfer of AED 4.00 has been successfully posted from savings account 000000899 to savings account SVAE000000386.
> The transferred amount is still sitting in the destination account (SVAE000000386).
> Steps to Reproduce
> Log in to the CBS Portal as Admin.
> Navigate to Clients > Nour Hashem Ismail > Savings account 000000899 > Account Transfers.
> Open account transfer 1617.
> Click "Undo Account Transfer".
> Expected Result
> The transfer is reversed: AED 4.00 is debited back from the destination account SVAE000000386 and credited to the source account 000000899, both original transactions are marked as reversed, the corresponding GL entries are reversed, and a success message is shown.
> Actual Result
> The undo is rejected and the following error toast is displayed:
> "Insufficient spendable balance: Requested amount 4.000000 exceeds spendable balance 0.00 (Available: 0.00, Overdraft: 0) as of value date 2026-09-24"
> The transfer remains in place and there is no way for the user to reverse it from the portal.
> Impact
> Operators cannot correct erroneous or duplicate transfers through the standard Undo action, forcing manual journal entries or back-office workarounds and leaving the customer's balances incorrect.
> Suspected Root Cause
> The spendable-balance validation on savings debits appears to be applied to the undo/reversal flow. Either (a) the check is evaluated against the wrong account (the source account 000000899, whose spendable balance is 0.00 after the transfer, instead of the destination account SVAE000000386 that is actually being debited), or (b) the reversal of the credit leg is treated as a fresh withdrawal and subjected to the same spendable-balance rule as a new customer debit. An undo of a transfer should only need the destination account to hold the originally credited amount; the source account's balance should not block it.



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