Transfers sent from the application are, by default, instant and free of charge for all customers whose identity has been verified.
Conditions to send an instant transfer
Verified customer sautomatically benefit from instant processing of their transfers, with no additional step required in the application.
Click here from a mobile phone to obtain a verified profile.
In certain situations, the bank transfer may be automatically processed as a standard transfer (with the funds effectively credited within 2 to 3 business days):
- If the recipient bank is not compatible with instant payment technology or the TARGET Instant Payment Settlement (TIPS) service. To learn more, the customer can visit the website of the bank concerned or contact them directly.
- If the beneficiary account is not compatible with the instant payment technology. This can concern accounts that are not current accounts, savings accounts for instance.
- If the interbank platform responsible for processing instant payment flows is experiencing a temporary interruption or maintenance operation;
- If the customer profile initiating the transfer is currently being reviewed by our transaction security teams.
Getting a confirmation for the instant processing of a transfer
To check whether a transfer was processed as an instant transfer, the customer can refer to the notification or confirmation email received after the transaction.
The customer can also download a transfer confirmation from their transaction history by opening the relevant transaction.
Finally, if the beneficiary account belongs to the customer, they can directly check the receipt of the transfer on that account.
Therefore, an instant transfer may appear or be recorded a few minutes after its actual execution.