Click on the "Transfer to contact" button and select the contact from your phone list. You can also enter a phone number manually. If the recipient is a Blackcatcard customer, he/she will receive the money instantly.  If the recipient is not a Blackcatcard customer, he/she will receive an SMS message with a notification about the incoming transfer and a link to download the Blackcatcard app. When registered, the money will arrive. If the recipient won’t register within 7 days, the money will be returned to the sender.