Hi Axelstar
Sorry for your trouble. I was intrigued by the issue and went searching. According to the SEPA Credit Transfer Rulebook apparently it is possible for a beneficiary bank (Number26/Wirecard in your case) to allow a recall of an incoming SEPA Credit Transfer within 10 business days of the original transfer and without reference to the beneficiary (you). Although, in their flowchart the beneficiary (you) is supposed to be asked for authorisation.
The link to the SEPA Credit Transfer Rulebook is:
The relevant section is CT-02.03 and it can be found on page 25.
Probably not what you wanted to hear. Also, it would seem that even had you used an Irish bank account to receive the funds that there is still a risk of recall up to ten business days after receipt. This seems way too open for abuse.
From Number26's terms and conditions complaints can also be made as follows:
"In addition, customers may make complaints at any time in writing or orally on the record to the German Federal Financial Supervisory Authority (Bundesanstalt für Finanzdienstleistungsaufsicht), Graurheindorfer Strasse 108, 53117 Bonn and Marie-Curie-Straße 24-28, 60439 Frankfurt am Main, Germany or the European Central Bank, Sonnemannstreet 20, 60314 Frankfurt am Main, Germany, about breaches by the Bank of the German Payment Services Supervision Act (Zahlungsdienstaufsichtsgesetz – ZAG), Sections 675c – 676c of the German Civil Code (Bürgerliches Gesetzbuch – BGB) or Article 248 of the Act Introducing the German Civil Code (Einführungsgesetz zum Bürgerlichen Gesetzbuch – EGBGB)."