I've always been paranoid about entering one or two numbers wrong when doing bank transfers. I wouldn't spend it, not because the bank will chase you for it (AFAIK It's your money if somebody has made a mistake) but just think how you'd feel if the money was taken from you. May have been an old lady's monthly pension, you never know. Anyway, until the money has cleared (may be from a cheque account with insufficient funds) I wouldn't be spending it anyway because then you will end up in OD if the money is removed.
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