The Payconiq TRANSFER feature allows you to send or request money to any phone number wherever you are and at no cost. You can use it for example to easily share the bill at the restaurant, refund the € 10 you owe your friend for yesterday’s cinema, pay the babysitter, give pocket money, make a birthday present … As for Payconiq payments in shops and for bill payments, the transfer of money is from one account to another: you and your loved ones do not need to reload a prepaid account or use another bank account than your current account, and you will be able to do without banknotes and coins. To transfer money, you can use the mobile number of your relatives, whether they have already activated Payconiq or not.