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 it registered in the app beforehand.

Initiating a bank transfer

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

If needed, the customer can request to an advisor to make a bank transfer on their behalf. For this, they must provide the Bank details of the recipient's account via email.

Compatible bank accounts and IBANs

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

Transfers to SEPA countries

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

Customer whose identity is not verified

Transfers from customers whose identity has not yet been verified are subject to regulatory limits, which you can consult 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 controls that may result in a request for information or supporting documents from you.

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.

Adding a new beneficiary may require strong authentication for security and regulatory compliance reasons.

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

Removing a beneficiary IBAN

To remove an IBAN, the customer must go to the list of beneficiaries, click on the relevant IBAN, and delete it.

Once deleted, the IBAN must be added and validated again before any new funds transfer.

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 advisable to contact the recipient by their own means. It is also possible to contact an advisor to try to request a "Transfer Recall," but there is no guarantee of success.

The IBAN provided or selected for a bank transfer does not allow for input errors (thanks to a control key that would refuse to execute the transfer in case of an error).

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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