Not much of help regarding ****

On Thursday 25/02/2014 at around 11H54 I made a Internet payment from my Nedbank account to a Absa account. The evening of the 25th I realized that it was a ****. I then called Nedbank after hours helpline ***at 20H30 asking them to help me stop the transaction. They said I must contact the Absa number. After calling ***at 20h35 I ended up back speaking to a consultant telling me it is impossible to reverse a transaction. <br> The Friday morning 26/02/2016 I was in Absa. They were helpful and after listened to me and checked the account I payd the transfer into was not legit, they stopped/ blocked the account. I went over to Nedbank, told them my story, had a look and told me the money is out of my account but will be in the system because it takes between 24 to 48 hours for a Internet transaction from one bank to another. When going back to Absa, they saw that the money went into that account already and was withdrawn on Thursday 25/02/2016. Absa said that I made a Insant payment.<br> Today Saterday 27/02/2016 I phoned and confirmed I didn't do a Instant payment. Why did my money go out before the 24 to 48 hour period . I was in time to stop it!Who is now resposible?