To understand today’s whine about my banking app, you need to know that before making a transfer to a new beneficiary i.e. someone you have not previously transferred money to, you need to add the new beneficiary and then wait 48 hours.


The path to adding a new beneficiary is:

Open menu

Select “effectuer un virement” / “Create a new transfer”

Swipe through all existing beneficiaries

Select last item which is “Ajouter un beneficier” / Add a beneficiary


So, recapping, the process obliges me to first create the beneficiary and then wait 48 hours before I can create the transfer. But in order to add a new beneficiary, I need to take the path of creating a transfer even though I know I cannot create a transfer. How is this intuitive?


Add a direct menu item to create a new beneficiary