The customer can transfer money from their account to a bank account at any time. To do so, they need to know the IBAN of the recipient's account or have registered it beforehand in the application.

Initiating a bank transfer

The customer can make a transfer from the screen of the account they wish to debit.

If necessary, the customer can contact an advisor to make a transfer on their behalf. They will then need to send the Bank Account Details (RIB) of the recipient account by email.

Compatible bank accounts and IBANs

From their application, the customer can add an IBAN and transfer money to this IBAN.

Transfers to SEPA countries

The customer can add an IBAN and make transfers to any bank account located in a country that is a member of the SEPA area (EUR transfers).

Customer whose identity is not verified

Transfers made by a customer whose identity has not yet been verified are subject to regulatory limits, which can be viewed in this article.

If the recipient bank cannot receive a transfer in euros, the transfer will be automatically rejected and the funds credited back to the customer’s account.

In accordance with anti-money laundering and counter-terrorist financing obligations, transfers are subject to checks. These checks may result in a request for information or supporting documents from the customer.

Adding a beneficiary IBAN

The customer can register an IBAN from the "Beneficiaries" screen of their app or enter the IBAN directly when sending money to a recipient.

To add an IBAN, the following information is required:

  • the 27 characters specific to the IBAN;
  • the first and last name of the IBAN owner.

For security and regulatory compliance reasons, adding a new beneficiary requires strong authentication.

Since the entry into force of the European VOP directive, an automatic verification of the beneficiary’s name is performed to ensure that it matches the IBAN entered. In case of a discrepancy, the customer is informed before executing the transfer.

Removing a beneficiary IBAN

To delete an IBAN, the customer must go to their list of beneficiaries, select the relevant IBAN, and then delete it.

Once deleted, the IBAN will need to be added and validated again before any new transfer of funds.

Cancelling a transfer

In the transaction history, the customer can check if the bank transfer was sent to the correct IBAN (for more information).

To request a refund for a bank transfer, it is recommended to contact the recipient directly. It is also possible to contact an advisor to try to request a "Transfer Recall," , without any guarantee of success.

The IBAN entered or selected for a bank transfer has a check digit that allows input errors to be detected and prevents the transfer from being executed in case of an invalid IBAN.

Best practices before validating a transfer

To avoid any error or fraud attempt, it is essential to:

  • Carefully check the IBAN and the beneficiary’s name before confirming the transfer;
  • Never make a transfer at the request of a third party (“fake bank advisor,” “fraud service,” “customer service” scams);
  • Do not send money to a person you do not know or have only met online including on social networks or sales platforms;
  • Keep proof of the transfer (screenshot, reference).

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