First time making a Standard Bank transfer to international account - Lost over R12 000

On the 23 February 2018 I made an electronic funds transfer for R12,536.00 from my Standard Bank, SA current account to my fiancée's Standard Bank offs**** account. I checked that the beneficiary account number was correct and I entered the correct account name. I did not get the option to enter the IBAN/SWIFT/SORT code when making the payment. The mistake made was that it was sent to another Standard Bank account in South Africa and not to the Isle of Man where his account is. After my fiancé did not receive the deposit for 15 business days (which is how long the bank advised it could take) I called the bank and asked them to recall the money. The bank consultant spoke to the recipient to make him aware that they need to return the funds to the sender. We both called the receiver of the funds (the bank was able to give us his cellphone number) and he said he was not aware of the money going into his account. I told him the dates he would have received it and asked him to send me his bank statement. Mr Osman said he would get back to me the next day which he never did. I have reported the matter to the police so that we can take the necessary steps to sue the receiver. But although I have made numerous calls to the detective handling the case, it has been very difficult to get hold of him. The matter was raised again with the Bank in October and investigated. After a few weeks she responded that the bank was not liable. Surely in a case such as this the Bank has a legal duty to recover the funds? - A "receiver of a transfer" may not keep the funds if they were not intended for him, when unduly enriched. - The payee should be in a position to check the name of the beneficiary as it is far easier to identify whether it is being paid into the correct account, especially if similar account numbers are in use in same Bank, whether global or not. - The customer knows it’s not his money and needs to prove that it is - what service did he render or product did he sell? - The Bank should be proactive in fixing ‘holes’ in their systems to prevent similar problems, protect honest customers, save time they waste on investigating the same issues such as these - Then there is Sibongile Mani, a student who was arrested after about R14m worth of National Student Financial Aid Scheme (NSFAS) money was accidently paid into her account… - My understanding is that under English law, this is regarded as theft? Are SA Banks ‘allowed to harbour *********'?