How do I send a local (domestic) transfer?

1. Sign in and open Transfers → Local transfer.
2. Pick a saved beneficiary, or choose New beneficiary and enter their full account name, account number and bank.
3. Select the account to debit and enter the amount.
4. Add a reference the recipient will recognise — an invoice number, for example.
5. Choose Send now or schedule it for a future date.
6. Review every figure on the confirmation screen, then approve with your one-time passcode.

Getting the details right

• The account name must match the name registered at the receiving bank. Nicknames and abbreviations cause returns.
• Enter the account number without spaces or dashes.
• Double-check the amount and the currency before approving. Once released, a payment cannot simply be undone.

Fraudsters commonly send a fake invoice with altered bank details. If a supplier's account details change, confirm them by phoning a number you already had for them — never a number on the new invoice.