OOnline banking

IRIS payments

Through the Optima mobile app, transfer money to your friends and make your payments to professionals easily and quickly!

Money transfer through IRIS using only the mobile/contact number

Instant money transfer 24/7

Free, with a daily transaction limit of €500

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Ease and flexibility in your payments!

What is IRIS payments?
With the IRIS payments function, you can transfer money to friends, and likewise receive money, without using an IBAN. All you need to know is the recipient’s mobile number, and both parties need to have activated the IRIS payments service through your mobile banking.

Easily, quickly, and free of charge, with a daily transaction limit of €500!

Transfer money to your friends easily and quickly
Through the Optima mobile app menu, under “Transfers” > “IRIS payments”, simply select from your contacts or enter the recipient's mobile number and the desired amount. The transaction is completed in seconds, at no cost, and the recipient is instantly notified.

Payments to professionals in minutes
Another feature offered by IRIS payments is the ability to pay professionals simply using their Tax Identification Number, or mobile number, or by scanning the QR code provided by the business. Then, you enter the payment amount, and your transaction is executed instantly!

You can find more useful information about the IRIS payments function here.

IRIS payments activation

Complete the activation of IRIS payments, in seconds, through the Optima mobile app: Profile > Transactions > Transfers > IRIS payments.

For money transfers via IRIS payments, the recipient must also have activated the function, through the mobile banking they use.

If you don’t have the Optima mobile app or do not have the latest version on your mobile, you will need to download or update it first.

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Next, for your login, enter your Optima e-banking user ID and password. Enter a 4-digit PIN for easier access. Enter the OTP code you received on your mobile and e-mail. You may also activate biometric access, for quicker login (if supported by your device).
That’s it! Through the app, choose to activate IRIS payments: Profile > Transactions > Transfers > IRIS payments.