[
    {
        "role": "user",
        "content": "how%20i%20can%20make%20bank%20transfer%20using%20the%20bov.com%20mobilre%20app%20to%20third%20party%20company%3F%20give%20me%20step%20by%20step%20instructions"
    },
    {
        "role": "assistant",
        "content": "Here\u2019s a step-by-step guide for making a **third-party bank transfer** using the **BOV Mobile Banking app (Bank of Valletta, Malta)**. \u201cThird party\u201d means sending money to someone else\u2019s account, including outside of BOV or outside Malta. These instructions are based on the most recent user guide from BOV. ([bov.com](https://www.bov.com/meta/downloads/bov-mobile-pay-third-party-user-guide-0?utm_source=openai))\n\n---\n\n## What you\u2019ll need before starting\n\nMake sure you have:\n\n- A working BOV Mobile Banking account/apps set up.  \n- The **beneficiary\u2019s** full name (person/organisation), their IBAN, and sometimes their address.  \n- If sending outside SEPA (outside the euro-zone or outside EU countries), you might need the **BIC/SWIFT code** of the beneficiary bank. ([bov.com](https://www.bov.com/meta/downloads/bov-mobile-pay-third-party-user-guide-0?utm_source=openai))  \n- A connected device with internet and access to BOV Mobile Banking.  \n- Your BOV app-login details, and possibly biometric or PIN verification.  \n\n---\n\n## Step-by-Step: Making the Transfer in the BOV Mobile App\n\n1. **Open the BOV Mobile app**  \n   Log in using your credentials (username/password, possibly biometric or mobile PIN as required). ([bov.com](https://www.bov.com/meta/downloads/bov-mobile-pay-third-party-user-guide-0?utm_source=openai))\n\n2. **Go to \u201cPayments\u201d or My Financials**  \n   In the app menu, look for a tab/icon that says **Payments**, **My Financials**, or something similar that manages outgoing payments. ([bov.com](https://www.bov.com/meta/downloads/bov-mobile-pay-third-party-user-guide-0?utm_source=openai))\n\n3. **Select \u201cPay Third Party\u201d**  \n   This is BOV\u2019s option for sending money to external/third-party accounts (not just within BOV or mobile-to-mobile). ([bov.com](https://www.bov.com/meta/downloads/bov-mobile-pay-third-party-user-guide-0?utm_source=openai))\n\n4. **Enter Beneficiary Details**  \n   You\u2019ll need to fill in:\n   - Beneficiary\u2019s full name (person or entity).  \n   - Payment reference or details (for example, invoice number or reason).  \n   - Beneficiary address \u2013 this is required especially for non-SEPA transfers. ([bov.com](https://www.bov.com/meta/downloads/bov-mobile-pay-third-party-user-guide-0?utm_source=openai))\n\n5. **Enter Account Information**\n   - IBAN of the beneficiary.  \n   - Choose currency you want to send. Sometimes you pick from a dropdown. ([bov.com](https://www.bov.com/meta/downloads/bov-mobile-pay-third-party-user-guide-0?utm_source=openai))  \n   - If the transfer is outside SEPA or when required, also enter the BIC/SWIFT code of the beneficiary bank. ([bov.com](https://www.bov.com/meta/downloads/bov-mobile-pay-third-party-user-guide-0?utm_source=openai))\n\n6. **Confirm Beneficiary Bank Details**\n   - The app may auto-validate some details (like checking the IBAN). ([bov.com](https://www.bov.com/meta/downloads/bov-mobile-pay-third-party-user-guide-0?utm_source=openai))  \n   - If needed, you manually fill in the BIC/SWIFT code or other bank details.  \n\n7. **Review & Confirm**\n   - Double-check name, IBAN, beneficiary address, currency, amount.  \n   - Tap **Continue** once you\u2019re satisfied. ([bov.com](https://www.bov.com/meta/downloads/bov-mobile-pay-third-party-user-guide-0?utm_source=openai))\n\n8. **Security Authorization**\n   - You might be prompted for extra verification (BOV SecureKey, out-of-band authentication, mobile PIN, or biometrics). ([bov.com](https://www.bov.com/meta/downloads/bov-mobile-pay-third-party-user-guide-0?utm_source=openai))  \n   - If it\u2019s a foreign or high-value transfer, there could be additional security steps.  \n\n9. **Final Submission**\n   - Once security checks are passed, submit the transfer.  \n   - You should get a confirmation screen/message: \u201cinstructions processed successfully\u201d or similar.\n\n10. **Keep Proof**\n    - Note down or screenshot confirmation reference, date, time.  \n    - Keep any email/SMS that confirms the transaction.  \n\n---\n\n## Extra Tips & Notes\n\n- Use templates: if you send to the same beneficiary often, BOV lets you save templates so you just need to change amount. ([timesofmalta.com](https://timesofmalta.com/article/bov-mobile-enhanced-to-allow-third-party-payments.823057?utm_source=openai))  \n- Daily limits may apply, depending on your account type and whether beneficiary is within BOV, SEPA, or outside SEPA. ([independent.com.mt](https://www.independent.com.mt/articles/2020-04-06/business-news/Bank-of-Valletta-increases-daily-limit-of-mobile-to-mobile-payments-6736221734?utm_source=openai))  \n- Make sure you\u2019re in the official BOV app (not clicking links from email/SMS) to avoid phishing. BOV warns customers to avoid entering secure credentials via links. ([financialarbiter.org.mt](https://financialarbiter.org.mt/sites/default/files/oafs/decisions/1805/ASF%20037-2024%20-%20IO%20vs%20Bank%20of%20Valletta%20plc.pdf?utm_source=openai))  \n\n---\n\nIf you like, I can also give you the steps for **internet banking version** (desktop) or if your third party is in a specific country (non-SEPA) \u2014 just tell me!"
    }
]