Does my recipient need the Payvio app?

No — if you're sending directly to their bank account, the money arrives there with no action needed on their end and no Payvio account required.

If you want to send wallet-to-wallet for faster settlement, your recipient does need a Payvio account with a wallet open in the receiving currency.

We'll show you both options at send time when they're available for that corridor, along with the delivery time for each.