Customers can transfer money from their account to a bank account at any time.

To do this, you need to know the IBAN of the recipient account, or have previously registered it in-app.

Initiating a bank transfer

Customers can make transfers from screen of the account they want to debit or from the "Beneficiaries" screen.

The customer can also start a bank transfer from the computer by accessing to their account via a browser. Learn more.

If needed, customers can reach out to an advisor who will make the transfer for them. To do so, they must provide the bank details of the recipient account via email.

Processing time

Wire transfers made from the application are subjet to the banking system processing time. They are credited on the recipient account within 30 seconds for instant transfers or within 2 to 3 working days for standard transfers (excluding weekends and public holidays).

However, the timelines may be extended in case of regulatory checks or depending on the intermediary banks.

Compatible bank accounts and IBAN

All IBANs from Euro zone countries are accepted, learn more.

If the receiving bank is unable to receive a euro transfer, the transfer will be rejected on the customer's account.

Cancelling a transfer

We recommend that you contact the beneficiary of the transfer directly to request a refund.

You can also reach out to our customer service to attempt a “transfer recall” procedure, but this does not guarantee that the funds can be recovered.

The IBAN includes a check digit that blocks clearly incorrect entries. However, a valid IBAN may correspond to another account: always verify the beneficiary’s identity. Since the implementation of the European VOP directive, an automatic verification of the beneficiary’s name is carried out to ensure it matches the entered IBAN. In case of a mismatch, the customer is notified before the transfer is executed.

Awareness against fraud attempts

  • Never share your data with third parties, including login credentials, verification codes, passwords, OTPs, or banking information via SMS, email, phone call, or unsolicited links. Likewise, never authorize a transaction that you have not explicitly requested, even if the message appears to come from Sumeria or an associated entity.
  • No Sumeria advisor will ever ask you for your password, 3D Secure code, or any other security code outside of the app, whether by email, SMS, or phone call. These details remain strictly confidential.Account management procedures always take place directly on the mobile application.
  • If the client has any doubts, they can directly contact customer service to report any suspicious activity. Lydia Solutions' anti-fraud service does everything possible to identify and neutralize fraudsters.
  • Phone calls with Sumeria customer service are conducted only through the mobile app, after receiving a push notification.
    • Without a prior notification in the app, never answer a call claiming to be from Sumeria.
    • Make sure your Sumeria notifications are enabled to use this feature. More information on secure calls.

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