FAQ

The DIGICASH 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 DIGICASH 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 DIGICASH or not.

First, you must select the “Transfer” and then “Send” function in your DIGICASH app. Then fill in the phone number (by direct entry or by choosing the contact in your address book on your phone) of the person to whom you want to send money, as well as the amount. Finally, enter your PIN or use your fingerprint to validate the transfer, as for DIGICASH payments in store.

If the recipient has already activated DIGICASH, he/she will receive a notification on his/her phone (if he/she has authorized the receipt of notifications), and the amount will be credited to his/her account within the standard wire transfer delay, usually the next business day.

If the person holding the number you have chosen does not have DIGICASH yet, you can authorize the sending of an SMS asking him/her to download the app, and your transfer will be put on hold for a maximum of 15 days. Once the person has activated DIGICASH, the transfer will be made from your account (subject to availability of funds at that time).

First, you must select the “Transfer” then “Ask” function in your DIGICASH application. Then fill in the phone number (by direct entry or by choosing the contact in the address book of your smartphone) of the person to whom you wish to ask for money, as well as the amount. The request is then sent directly to your contact.

If the recipient has already activated DIGICASH, he/she will receive a notification on his/her phone (if he/she has authorized the reception of notifications) and will have to validate the sending of money using his/her PIN code or by means of his fingerprint. The sum will then be credited to your account within the standard transfer / Eurotransfer delay, usually the next business day.

If the person holding the number you have chosen does not have DIGICASH yet, you can authorize the sending of an SMS asking them to register, and your request will be put on hold for a maximum of 15 days. Once the person has activated DIGICASH, he/she will receive a notification on his/her phone (if he/she has authorized the reception of notifications) and will have to validate the sending of money by means of his/her PIN or by means of his/her finger print.

To send or request money, you can use the recipient’s phone number, whether they have DIGICASH installed or not. However, the recipient must be a customer with one of the Luxembourg banks that offers DIGICASH. His/her phone number has to be verified and he/she needs to authorize the receipt of transfers to his/her number phone in the DIGICASH App.

If the recipient of your shipment or your request for money has not yet activated DIGICASH or authorized the DIGICASH TRANSFER function, you can authorize the sending of an SMS asking him/her to register, and your sending or your request will be put on hold for up to 15 days.

When you send or request money, you can view the transfer history in your DIGICASH App (similar to DIGICASH payments made in shops or for invoices). If you receive money, you will automatically be notified (if you have authorized the receipt of notifications for the DIGICASH App on your smartphone). In addition, requests for money will be recorded in the transaction history. Further, you will be able to consult DIGICASH transactions via the supports and channels put at your disposal for these purposes by your bank (statements, home banking, web banking, mobile banking, etc…)

The use for professional purposes is limited to 20 payments per month or a total value of 1000 EUR received per calendar month. Beyond these limits, it will be necessary to opt for affiliation to the network of DIGICASH merchants, by subscribing to this service from Payconiq International SA. For more information, please visit the website www.digicash.lu under the heading “Traders” (https://www.digicash.lu/node/22).

The limit is identical to the limit defined for the use of DIGICASH in shops and for bill payments.

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

You can cancel a pending transfer or request at any time using your DIGICASH App. Under the “Account” function, at the top right of the menu, you can view all completed transactions, transfers received and sent, and pending payments or requests for money.

If despite the display of the name of the recipient on the basis of the telephone number you have chosen, you have nevertheless confirmed the sending of the money by entering the PIN or by means of your finger print, please contact from your bank.

For a DIGICASH App, you will only be able to associate a phone number with a bank account. But you can associate another mobile phone number with another account in another DIGICASH App, typically on another smartphone.

You can associate the same phone number with different Apps from different banks. However, for the use of DIGICASH TRANSFER, it is only possible to associate a specific number to an account with a bank.

At this time, the initial link with your account for receiving payments will be automatically deleted. You will receive the payments on the account newly associated with the mobile number in question. For this purpose, the bank from which you have newly authorized the receipt of payments will inform the other banks that offer DIGICASH to their customers, who, if necessary, will then automatically delete the link to the initial account, for the function of receiving payments. Thus, your phone number will remain associated with the initial App, which will remain functional for DIGICASH payments in shops and for bill payments. You may at any time reassign this App to your number by means of the function provided for this purpose in your DIGICASH App, and the possible link with another App / account will be deleted automatically.

No, for the reception of a payment by DIGICASH TRANSFER, it is necessary that the recipient activates the DIGICASH App and associates the number of a mobile phone designated as the recipient by the person who initiated the transfer.