When you want to make a transfer to somoeone for the first time, we will ask you to add the recipient as new payee. Form the transfer menu, enter the name/ surname, sort code/ account number or IBAN (for international transfer), then enter your passcode or use your biometrics. For security reasons we will send you One Time Passcode (OTP) via SMS, you need to enter this as well. Then the new recipient will be added as "payee" . You may also add a nickname for the recipient if you'd like to. Once you create a new payee, you may send money by selecting the recipient from "select payee".