Hi 👋 Susan-Azure-Badger
This is possible with the ' bunq.to ' functionality. When you make a payment, you can make it to a telephone number or email address. During a payment, after entering the amount, you can type the phone number or email address in the bar at the top. If no bunq account is linked to that telephone number or e-mail address, they will receive a message where they can enter their IBAN and claim the amount. The amount is then transferred to their account, which generally takes up to 1 business day. If they are a customer of bunq , it is directly in their account, and they do not have to 'claim' the amount.