Any Luxembourg or international mobile number, which can be verified by sending an SMS message, can be used to activate Payconiq. Activation is therefore not limited to Luxembourg numbers alone. Before using Payconiq TRANSFER, please ensure that the recipient of your payment has a bank account held by one of the Luxembourg banks offering Payconiq. The list is available on payconiq.lu. But you will not run any risk if the recipient does not activate Payconiq: after 15 days, your pending transfer will expire, and the money will never be debited from your account.