Punk'd?

Every 25th of the month we are getting our monetary rice subsidy through Smart Money. Surprisingly, it was not credited on time so I decided to transfer some funds in order for me to buy some fruits at a fruit stand near St. Luke’s.
The transfer when through as confirmed by a text message.
So when I attempted to withdraw the funds, the machine took a while and ejected my card telling me that the branch was busy. I am not annoyed but I was frustrated to find out that the funds were deducted.
I called the Smart Money hotline and after the usual verification, I was told to wait for three banking days for the reversal.