Sending and Receiving Money
Learn how to send money to others and receive payments into your Kixy Accounts. Kixy offers two main ways to transfer
money: sending to other Kixy users (peer-to-peer transfers) and sending to non-Kixy users (external transfers). This
guide will walk you through both ways.
Sending Money
Adding a New Contact
Before you can send money to anyone for the first time, you'll need to add them as a contact in your Kixy app. This
helps make future transfers quicker and more secure. Here's how to do it:
1. Open the Kixy app
2. Tap on Send Money from the accounts screen or Tap on Kixy It on the main screen
3. When prompted to Select Contact, tap the plus + sign in the bottom corner
4. From the Add New Contact menu, choose how to add your contact
- By Email: Enter your contact's email address. If they're a Kixy user, the app will automatically recognise their
account
- By Phone Number: Input your contact's mobile number. Similar to email, the app will identify if they're already
using Kixy
- By QR Code: If you're with your contact in person, they can generate a QR code from their Kixy app for you to scan
- By Bank Account Details: You can add them using their traditional banking information
Once you've added a contact, they'll be saved to your contact list for easy access during future payments and transfers.
You can manage and edit your contacts at any time.
Sending Money to Non-Kixy Users
When sending money to someone who doesn't use Kixy, the process works similarly to a traditional bank transfer. Here's
what you need to do:
1. From the Accounts screen, tap Send Money
2. Select your saved contact from the list you want to make a payment to
3. Choose which account you want to send from
4. Enter the amount you wish to send
5. Review the transfer details, including:
- Their name and account details
- The amount and currency being sent
- Any applicable fees and exchange rates
6. If everything looks correct, confirm the transfer and send your payment
Sending Money to Kixy Users
Sending money to fellow Kixy users offers additional features and more social experience. You have two convenient ways
to send money to other Kixy users:
​Option 1: Sending from the Account Screen
This method is similar to sending money to non-Kixy users, but with extra features:
1. Follow the same initial steps as above
2. Before confirming your transfer, you'll see an option to personalise your payment with a sticker!
3. When you send the payment, your contact will receive:
- An instant notification in the app
- An alert in your 1-to-1 chat with them
Option 2: Sending through Chat
Kixy offers a a convenient way to send money to the contact you are having a direct conversation with!
1. Open the chat conversation with the contact you want to pay
2. Look for the plus + symbol next to the message input field
3. Tap it to reveal a menu of payment options:
- Send money: Direct payment to your contact you're chatting with
- Request money: Ask your contact to send you a specific amount
- Split the bill: Divide a total amount between multiple people
This chat-based system makes it easy to discuss payments, split expenses, and help keep track of your transaction
history with your friends and contacts.
Receiving Money
To receive money, you'll need to share your account details with the sender. Here's how to find them:
1. Open the Kixy app
2. Go to the Accounts screen
3. Tap on the account you want to receive money into
For GBP Accounts
You'll see two options:
1. Domestic Transfers (UK)
- Sort Code
- Account Number
- Kixy Address
2. International Payments
- SWIFT Code
- IBAN (International Bank Account Number)
- Kixy Address
For All Other Currency Accounts
You'll see:
- SWIFT Code
- IBAN (International Bank Account Number)
- Kixy Address
Share these details with anyone who needs to send you money. The sender should use the appropriate details based on
their location and transfer type.
When another Kixy user sends you money, you'll automatically:
- Receive a notification in the app
- See the payment appear in your chat with them
Important Notes
- Always double-check the details you share with senders
- Make sure to choose the correct currency account for receiving funds
- Keep your contact list up to date for secure transfers
- You can receive both domestic/local and international transfers