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How to transfer money through Sparados?

Mar 4, 2025
2 min read

This tutorial will guide you step by step through the process of transferring funds from an IBAN account.


To make a transfer to an account, you must first choose whether the transfer should be made locally (DOMESTIC) or internationally (INTERNATIONAL).


What are the types of transfers in Sparados?

ELIXIR – for transfers from our account to any other account outside the bank. This system operates only on business days and only in PLN currency.

ELIXIR EXPRESS – a real-time ELIXIR transfer where the funds reach the recipient within seconds. It operates 24/7 in PLN currency

INTERNAL – an internal transfer. It can be processed in both EUR and PLN and operates 24/7


International transfers

For international transactions, the SEPA transfer type is used (covering EU countries as well as Iceland, Norway, Liechtenstein, Switzerland, Monaco, and San Marino). The processing time for a SEPA transfer is approximately one business day. For transfers in EUR, you must provide the BIC/SWIFT number


The Internal transfer can also be made in the INTERNATIONAL section.

After selecting the first field, a list of available accounts for making a transfer will appear. The recipient’s account number must be manually entered in the field below.


Next, you need to enter the transfer title, the recipient's name, and optionally their address, city, and postal code.


Go to the NEW TRANSFER tab


In the first two fields, you need to select the account from which you want to make the transfer and enter the title.


New transfer

Fill the data od Your recipient: Account number, Recipient;s name, adress, Tax ID, BIC/SWIFT number



NOW YOU CAN ALSO SAVE YOUR RECIPIENT FOR LATER! CHECK HOW TO DO IT! Save your recipient


Next, enter the amount you would like to transfer. The currency will be automatically selected based on the chosen sender's account.


Amount

After pressing Submit, a window will appear with all the transaction details. If everything is correct, click Confirm to proceed. That's it!


Where to find transfer details?

Your transfer should be completed within the processing time, and its details will now be available in the TRANSACTION HISTORY tab.

Transfer details

If you want to top up your card or account in Sparados read the tutorials:


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SPARADOS - THE OPTIMAL SOLUTION

Sparados S.A.

Sparados SA with headquarters in Lublin, at 17A Rusałka St., 20-103 Lublin, entered into the register of entrepreneurs of the National Court Register with the KRS No. (National Court Register No.): 0000985680, NIP (Tax ID No./VAT Reference No.): 9462719635 and REGON (Business ID No.): 522752701, with a fully paid share capital of PLN 336 704.

 

Data Protection Officer: Weronika Dawidzka

Email: [email protected]

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Contact: +48 781 761 200

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© 2026 Sparados. All rights reserved.

European Funds for Smart Growth
NCBR – National Centre for Research and Development
European Union – European Regional Development Fund

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Sparados S.A. (Tax Identification Number/NIP: 9462719635), with its registered office in Lublin at ul. Rusałka 17A, 20-103 Lublin, is neither a payment service provider nor a payment institution within the meaning of the Act of 19 August 2011 on Payment Services. The Company does not hold an authorization from the Polish Financial Supervision Authority (KNF) to provide payment services, does not hold user funds, and provides solely a technological platform for expense management and integration with third-party payment service providers.

Payment services, including the maintenance of accounts, issuance of payment cards, and execution of transactions, are provided by appropriately licensed payment service providers operating within Europe, in accordance with applicable laws and under the supervision of relevant regulatory authorities.

The use of payment functionalities is subject to the acceptance of the terms and conditions of the respective payment service provider. The agreement for the provision of payment services is concluded directly between the user and said provider.

Sparados S.A. shall not be held liable for the execution of payment transactions or for their settlement between the user and the payment service provider. The Company acts exclusively as a technology solution provider enabling access to these services.

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