Social Payments: how to request, pay and divide

With instant payments, you can ask and pay money quickly and split bills instantly with friends. No need to type the 24 digits of an IBAN nor waiting for 2 or 3 days until your money reaches its destination.

How does it work?


You won’t have to chase your defaulter friend anymore, we are here to do it for you. On the App, click on “Request” (next to “Settings”) and you will have access to your mobile contacts.

Select who owes you money, the amount owed and we’ll send a notification (if the person is a bnc10 user) or an SMS (if is not) to pay your outstanding debt.

Once they receive the notice, they can pay with a single click from the bnc10 app.


In the event that the person is a bnc10 user, you will be able to send money instantly without an IBAN number. First, you need to select the receiver on your contact list, type the amount and the concept (optional).

If the receiver is not yet a bnc10 user you can make a regular transfer: type the IBAN number and the required fields, and the money will reach its destination.


Does it look familiar to you to go to a restaurant and be told: “you have to pay all together”? Or organize a group trip and end up paying for the whole group’s accommodation? We are here to save you!

With the “Split” functionality (on the app next to “Settings”) you can claim your part of the bill to your friends.

You just have to select the contacts with whom you want to share your payment, enter the amount and they will receive a request to pay their outstanding part.

If they are bnc10 users, they can pay you with just a click.