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 Payments & Transfers button.
  2. Select Instant.
  3. Tap + in the upper right corner to add an Instant contact.
  4. Enter the email address and phone number on file for your contact's Simple account.
  5. Once we've verified that the information is correct, hit that Send Request button.
  6. Wait for them to accept your request. 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.
  3. Click on the banner, and choose to confirm or ignore the request. 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.
  1. Log in on the iOS app.
  2. Tap the Payments & Transfers tab (it looks a little like a $).
  3. Tap Instant Transfer.
  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. Once we’ve verified that the information is correct, tap Request.
  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. If you ignore, nothing happens (the request will be deleted, and the sender will not be notified).
  3. 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.
  4. Once you've entered the code, you'll be connected and you can send or receive Instant transfers.
  1. Log in on the Android app.
  2. Swipe right to bring up the menu.
  3. Tap Payments & Transfers.
  4. Tap Instant Transfer.
  5. Add an Instant contact by tapping + in the bottom right corner.
  6. Enter the email address and phone number on file for your contact's Simple account.
  7. Once we’ve verified that the information is correct, tap Send.
  8. 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. If you ignore, nothing happens (the request will be deleted, and the sender will not be notified).
  3. 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.
  4. Once you've entered the code, you'll be connected and you can send or receive Instant transfers.

What next?

If you'd like a step-by-step guide on how to send a transfer, or details on limits, head over to the Sending an Instant transfer article for more info.

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