Can I make international transfers with my neobank account?

International transfers move money between countries using payment networks like SWIFT or local rails. Because we integrate with those networks in real time, your cross‑border transactions always use the latest currency exchange rates. The entire journey – from currency conversion to delivery – happens inside our platform, so you never have to leave the app.

Our chatbot is the fastest way to send money abroad. Just open the chat and say “send money to Spain” or “transfer EUR to my supplier.” The assistant will ask for the recipient’s details, the amount, and the currency. Behind the scenes, custom actions fetch the live exchange rate, check your account balance, and initiate the transfer. You confirm once and the payment is on its way – no app‑switching or phone calls required.

You can also specify a preferred exchange time or ask the assistant to hold the transfer if the rate drops below a threshold. Those are the same custom actions that power our FX‑aware alerts, so you stay in control without watching the markets yourself.

• Recipient’s full name and address (as registered with their bank)
• Their bank name, SWIFT/BIC, and IBAN or account number
• The amount and desired currency
• A verified neobank account with enough funds (our assistant checks this automatically)

If any detail is missing, the assistant will prompt you step by step. Every piece of information is validated before the transfer is submitted, which catches errors early and avoids delays.

What are the fees for international transfers?
Fees depend on the destination, amount, and payment rail. Our assistant shows a complete breakdown before you confirm – including our flat service charge (typically 0.5‑1.5% of the amount) and any intermediate bank fees. You’ll always see the final cost, including the exchange rate markup, before you tap send.

How long do international transfers take?
Most cross‑border transactions complete within 1‑3 business days. Transfers to major currencies (EUR, GBP, USD) often settle overnight. The assistant provides a delivery estimate based on the destination and the submission time, so you know exactly when the funds will arrive.