^{Starting your banking journey} Managing your money transfers

Sending money to family, friends or other beneficiaries is an important part of everyday banking. Whether you are supporting a loved one, paying for a service or transferring funds for personal use, it is important to ensure your money reaches the right person safely and securely.

With Personal Internet Banking, you can make transfers conveniently without visiting a branch. Understanding how to transfer money safely can help you avoid mistakes and protect your finances.

Why use online money transfers?

Personal Internet Banking allows you to transfer money from your account whenever it is needed. Some benefits include:

• Making transfers without visiting a branch
• Managing payments from wherever you have internet access
• Viewing your transfer history
• Keeping a record of completed transactions
• Monitoring your account activity

Having access to your transfer records can also help you keep track of your spending and manage your finances more effectively.

Learn how to send money through Personal Internet Banking.

What do you need before making a transfer?

Before sending money, make sure you have:

• Your Personal Internet Banking login details
• The beneficiary's account details
• Sufficient funds in your account
• The correct transfer amount

Taking a few moments to check these details can help ensure a smooth transaction.

Check the monthly transfer-out cap and the beneficiary limit for Universal Account.

Check beneficiary details carefully

One of the most important steps when sending money is verifying the beneficiary's information. Before confirming a transfer, check:

• The beneficiary's name
• The account number or IBAN
• The transfer amount
• Any payment details or references

Entering incorrect information may delay the transfer or cause it to be sent to the wrong account.

Review transfer details before confirming

Before authorising a transfer, take time to review all the information displayed on screen. Ask yourself:

• Is the beneficiary correct?
• Is the amount accurate?
• Have you entered the correct account details?
• Do the payment details match your intended transaction?

A quick review can help prevent errors and reduce the risk of sending money incorrectly.

Stay safe when making transfers

Online transfers are convenient, but it is important to remain alert to potential scams. To help protect yourself:

• Access Personal Internet Banking through official channels only
• Never share your password or OTP (One-Time Password)
• Be cautious of urgent requests for money
• Avoid clicking on links from unexpected messages
• Contact the bank if you notice unusual account activity

Fraudsters may try to create a sense of urgency to encourage quick decisions. Taking time to verify requests can help protect your money.

To report suspected fraud, contact the bank only through its official channels.

Keep track of your transfers

Reviewing your transaction history regularly can help you monitor your account activity and confirm that transfers have been completed successfully. Checking your transfer records can help you:

• Confirm completed transactions
• Identify payments you may have forgotten about
• Review your spending patterns
• Spot unusual account activity

Regular account monitoring is a simple habit that can support better financial management.

Sending money with greater peace of mind

Sending money through Personal Internet Banking can make managing your finances easier and more convenient. Ensure your money reaches the right destination safely by checking beneficiary details carefully, reviewing transfer information before confirming payments, and following safe online banking practices.