How can I transfer funds through IRIS?

IRIS is a service available only in Greece.

Once you activate the IRIS Payments service on your account, you can transfer money:

• through a web browser,

• through the Viva.com mobile app,

• or by scanning an IRIS QR code.

#➤Transfer limits

The daily transfer limit is cumulative across all banks.

• Up to €1,000 per day to a merchant account

• Up to €1,000 per day to another personal account

Transfers from one personal account to another personal account are also subject to a €5,000 cumulative monthly limit.

#➤Transfer through a Web Browser

1. From the homepage, select Transfers and then IRIS Payments.

2. Select whether you want to transfer money to a personal or business account.

3. Enter:

   • the recipient’s mobile phone number, or

   • the VAT number if transferring money to a business account.

4. Select Continue.

5. You will receive a push notification on your registered mobile phone through the Viva.com app to authorize the transfer.

6. Tap Authorize to complete the transfer.

#➤Transfer through the Viva.com Mobile app

1. At the bottom of the screen, tap Payments and then IRIS Payments.

2. Select whether you want to transfer money to a personal or business account.

3. Enter:

   • the recipient’s mobile phone number, or

   • the VAT number if transferring money to a business account.

4. Tap Continue.

5. You will receive a push notification on your registered mobile phone to authorize the transfer.

6. Tap Authorize to complete the transfer.

#➤Transfer using IRIS QR code

1. Select Payments and then IRIS QR Scanning.

2. Scan the QR code using the Viva.com mobile app.

3. Review the payment details and transfer amount displayed on the screen.

4. Select the debit account and tap Continue.

5. You will receive a push notification on your registered mobile phone to authorize the transfer.

6. Tap Authorize to complete the transfer.

#➤ Money Transfers Abroad via IRIS

You can send and receive money to and from specific countries abroad through the EuroPA network, using only the recipient’s mobile phone number, without the need for an IBAN.

The supported countries and services the recipient must be registered with, depending on their country, are listed below:

• No separate registration or activation is required to use EuroPA. If you are already registered with IRIS, you can send and receive money through the EuroPA network.

• Sending money is carried out in the same way as an IRIS transfer. Simply select the recipient’s country so that the appropriate phone prefix is displayed, and then enter their mobile phone number.

• Money transfers through EuroPA are processed instantly.

• The daily and monthly transaction limits are the same as those applicable to IRIS transfers. EuroPA transactions count towards your overall IRIS transfer limits.

  EuroPA supports transfers only to private individuals (P2P). It is not possible to send money to professionals or businesses.

• You can receive money through EuroPA only from users of compatible services within the network, such as Bizum in Spain, MB WAY in Portugal, Bancomat in Italy, and Blink in Bulgaria.

• In your account transaction history, EuroPA transactions will appear as IRIS transfers.

• There are no additional fees for using the EuroPA service.

#➤Fees for IRIS Payments transfers

• There are no transfer costs for using the IRIS Payments service.

• Professionals and Sole Proprietorships can view the applicable fees for payments received through IRIS Payments in the Viva.com pricelist. You can find the Pricing page by visiting Viva.com, scrolling to the bottom of the page and selecting Pricing under Resources.

Important!
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Payments received via IRIS count towards the 0% fee reduction program of Viva.com. This means that if you use money received through IRIS for business expenses, the corresponding fee will be refunded to you.