Send money to a friend
Phone or IBAN, VoP check, Wero or SCT Inst — plus wrong-person recall.
- Happy
Send €25 instantly
Alex pays Marie over SCT Inst.
- Happy
Send with name check
Standalone VoP before you confirm the friend.
- Happy
Send via Wero (phone)
Alias / phone number, then SCT Inst underneath.
- Happy
Send next-day SCT
Classic credit transfer when instant is off.
- Recall
Wrong friend — recall
camt.056 → resolution → pacs.004 return.
- Recall
Recall an instant payment
Same recall path after SCT Inst settlement.