[tumetab1]

I didn't make myself clear, I wanted to mean that transfer are reversible (with the cooperation of the other bank) not that the source bank can unilaterally do it.

The law sides with the banking making the mistake as discussed on https://news.ycombinator.com/item?id=24222045

With bank cooperation, which usually happens, settlement are non-issues. When an operation can be reversed by one of parties the settlement agreement usually mentions that the settlement is only final when the reversion period is over.