To send or request money, you can use the recipient’s phone number, whether they have Payconiq installed or not. However, the recipient must be a customer with one of the Luxembourg banks that offers Payconiq. His/her phone number has to be verified and he/she needs to authorize the receipt of transfers to his/her number phone in the Payconiq App.

If the recipient of your shipment or your request for money has not yet activated Payconiq or authorized the Payconiq TRANSFER function, you can authorize the sending of an SMS asking him/her to register, and your sending or your request will be put on hold for up to 15 days.