Sending a bank transfer with IperMoney is guided step-by-step, with two security checks working for you. Let's take it slow.
The process
1. Open Payments and choose which account to pay from.
2. Choose the beneficiary from your address book, or create a new one with name and IBAN. It stays saved for next time.
3. Enter the amount and reference (the description the beneficiary will see, e.g. "Invoice 12/2026").
4. Name check (VoP): we verify that the name you entered matches the actual account holder of the IBAN. If it doesn't match, we'll stop you and show you what doesn't add up: this is the moment to double-check, not to push ahead — it's the most effective protection against fraud involving a swapped IBAN.
5. Check the summary (amount, fee, total) and confirm with the security code sent to you via SMS and email.
How long it takes to arrive
Instant transfer: a few seconds, including holidays.
Standard transfer: usually within 1 business day.
Follow the status in Transactions: "In progress" → "Completed". If something goes wrong, you'll see "Not executed" with the reason (there's a dedicated article on this).