Creating an Instant Contact

Creating an Instant Contact


What is Instant?

It's a way to instantly send money to other Simple customers, fee-free. You can share expenses with a partner, pay a roommate, or settle up short-term loans with friends.

Instant can only be used to send money (not request it) and it only works between Simple accounts. If you need to send money to someone who isn't a Simple customer, you might want to look into third party payment services.

How do I start?

The first step is to connect with the person you'd like to transfer with:

  1. Click the Move Money button.
  2. Select Transfer to a friend.
  3. Tap Add new instant contact at the bottom of the screen. description
  4. Enter the email address and phone number on file for your contact's Simple account.
  5. Click the Send Request button.
  6. Wait for them to accept your request. description
  7. As soon as they do, you'll be ready to transfer!

Confirming a contact request

  1. When someone sends you a contact request, you'll get an email notification.
  2. The next time you sign into your account, you'll see a banner notifying you that someone would like to add you as a contact. description
  3. Click on the banner, and choose to confirm or ignore the request. description
  4. If you ignore, nothing happens (the request will be deleted, and the sender will not be notified).
  5. If you confirm, an authorization code will be sent to your phone. This code is good for just 5 minutes (maximum security!) but you can request a new one if the original code expires.
  6. Once you've entered the code, you'll be connected and you can send or receive Instant transfers.

To delete a contact

  1. Click the Move Money button.
  2. Select Transfer to a friend.
  3. Select the contact you'd like to delete.
  4. Tap Delete.
  1. Swipe right to open the navigation menu.
  2. Tap Move Money. description
  3. Tap Transfer to a friend.
  4. Tap Add in the upper right corner to add an Instant contact.
  5. Enter the email address and phone number on file for your contact's Simple account.
  6. Tap Request. description
  7. Wait for that person to accept your request. Once they accept, you'll be able to transfer!

Check it out! description

Confirming a contact request

  1. When someone sends you a contact request, you'll get an email and a push notification. description
  2. To confirm or ignore their request, swipe to open the notification or log in to the app and navigate back to the Instant Transfers tab. Then tap on their request. description
  3. You'll see the option to accept or ignore. description If you ignore the request, nothing happens (the request will be deleted, and the sender will not be notified). If you accept, an authorization code will be sent to your phone. This code is good for just 5 minutes (maximum security!) but you can request a new one if the original code expires.
  4. Once you've entered the code, you'll be connected and you can send or receive Instant transfers.

To delete a contact

  1. Swipe right to bring up the menu.
  2. Tap Move Money.
  3. Tap Transfer to a friend.
  4. Select the contact you'd like to delete.
  5. Tap Delete.
  1. Swipe right to bring up the menu.
  2. Tap Move Money.
  3. Tap Transfer to a friend.
  4. Add an Instant contact by tapping + in the bottom right corner. description
  5. Enter the email address and phone number on file for your contact's Simple account.
  6. Tap Send. description
  7. Wait for that person to accept your request. Once they accept, you'll be able to transfer!

Confirming a contact request

  1. When someone sends you a contact request, you'll get an email and a push notification.
  2. To confirm or ignore their request, swipe to open the notification or log in to the app and navigate back to the Instant Transfers tab. description
  3. If you ignore, nothing happens (the request will be deleted, and the sender will not be notified).
  4. If you confirm, an authorization code will be sent to your phone. This code is good for just 5 minutes (maximum security!) but you can request a new one if the original code expires.
  5. Once you've entered the code, you'll be connected and you can send or receive Instant transfers.

To delete a contact

  1. Swipe right to bring up the menu.
  2. Tap Move Money.
  3. Tap Transfer to a friend.
  4. Select the contact you'd like to delete.
  5. Tap Delete.


info iconWhat next?

If you'd like a step-by-step guide on how to send a transfer, or details on limits, head over here for more info:

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Important! Keep your account safe from fraud

As fraud attempts are on the rise recently — especially related to unemployment funds — help us keep your account safe by following these guidelines.

Use your Simple Account only for your own personal use. Don’t share your account with others or receive funds on behalf of third parties.

Don’t share your username or password with others. Never give out your login information. Simple will never ask you to tell us your password — if any third party makes such a request, it’s an attempt at fraud.

Don’t open an account at someone else’s request. If someone else asks you to open a Simple Account — such as a real estate company, prospective employer, or someone you met online — it is likely an attempt at fraud.

Be alert for unemployment insurance fraud. You may be violating the law and the terms of your Simple Account if you receive deposits of unemployment funds on behalf of someone else. There are state and federal penalties for unemployment insurance fraud (including potential fines and incarceration). If you suspect you are a victim of unemployment fraud, contact the appropriate state fraud hotline listed here.

Don’t receive funds on behalf of a third party. Keep in mind that receiving funds on behalf of a third party violates the terms and conditions of your Simple Account; in such instances, we may restrict and/or close your account and hold the funds while we await direction from enforcement agencies.

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