Customers can send money to their contacts via their phone number or email address. This is called “Making a Lydia”®.
From the application
The customer can click on the double arrow from the home screen and be guided to make a Lydia. The customer must ensure that the selected account has a sufficient balance.
Customers can enter a mobile phone number or email address, or search their contacts if they have agreed to let the application access it.
The recipient is a customer
The amount credited right away on their account.
The recipient is not a customer
They can tap on the link in the text message or email that was immediately sent to them. Doing so will lead them to a secure page where they can make the transfer request to their bank account.
They have 7 days to do so before the payment is cancelled.
Non-user of the app
It's possible to send money without the app if the customer received a payment request by SMS or email from one of their contacts.