🚦 What’s the difference between first-party and third-party transactions?
First-party transaction:
You are sending money from your own bank or fintech app to your IBAN on Decaf. It’s your name on both sides of the transfer.
Third-party transaction:
Someone else is sending money to your IBAN on Decaf. This could be a friend, client, employer, or family. Their name is on the sending account, not yours.
Personal accounts
Personal accounts
First-party transactions: No deposit, monthly, or annual limits.
Transactions above 10.000€ might need source of funds documentation.
Third-party transactions: Available only for business-related payments (receiving payments from a business or sending payments to a business).
Business accounts
Business accounts
No deposit, monthly, or annual limits.
⚠️ Please note: Certain transaction volumes or frequencies may trigger our AML alerts and require additional review.
To avoid delays, we recommend limiting activity to 1–2 transactions per day.
Associated fees
💡All transactions are subject to a 1% processing fee.
If you ever need help, we’re here to assist:
💬 Support: Contact us via chat in the Profile > Support section