Introduction
UR Peer Transfer makes it easy to send and receive fiat balances instantly between verified UR users. Whether you're splitting a bill, paying a friend, or moving funds between accounts, transfers are completed in real time with no fees or hidden charges. Once a transfer is made, the funds are credited immediately and can be used right away.
Differences between Peer Transfer, Bank Transfer, and Crypto Transfer
| Transfer Type | Peer Transfer | Bank Transfer | Crypto Transfer |
|---|---|---|---|
| Transfer Channel | Within UR ecosystem | Via IBAN / SEPA network | Via blockchain network |
| Fees | No fees | No fees from UR; third-party bank fees may apply | Gas fee apply |
| Processing Time | Instant | Typically 1–2 business days | Varies depending on blockchain network |
| Supported Assets | Fiat currencies only | CHF, EUR, USD only | Crypto tokens only |
| Required Information | Receiver's URID | IBAN, Bank details | Wallet address, network selection |
Sending Funds to UR Users via Peer Transfer
Before confirming your transfer, double-check that you've entered the correct receiving URID. Transfers sent to the wrong URID cannot be reversed and may result in a permanent loss of funds.
UR App
Step 1: Launch the UR App and log in
After logging in, tap the Send Money button and
select
the fiat currency you'd like to transfer to begin.
Step 2: Enter your transfer details
Once you've selected the currency, tap
Send via Peer Transfer. Enter the transfer amount
and
the recipient's URID.
Step 3: Review your transfer
Carefully review all transfer details. If everything looks correct,
tap
Confirm to complete the transaction.
Step 4: All done!
Your transfer will be processed instantly — the recipient will receive
the funds within seconds, and they'll be available for use right
away.
UR Web
Step 1: Launch the UR Web and log in
After logging in, click the Send button and select
Peer Transfer to begin your transfer.
Step 2: Enter your transfer details
Select the fiat currency you'd like to send, then enter the transfer
amount and the recipient's URID.
Please note that only fiat currencies are supported
for Peer Transfers.
Step 3: Review your transfer
Carefully review all transfer details. If everything looks correct,
proceed
to Confirm to complete the transaction.
Step 4: All done!
Once the transfer is sent, the recipient will receive the funds within
seconds, and they’ll be available for use immediately.
Receiving Funds from UR Users via Peer Transfer
Before confirming your transfer, double-check that you've entered the correct receiving URID. Transfers sent to the wrong URID cannot be reversed and may result in a permanent loss of funds.
UR App
Step 1: Open the UR App and log in
After logging in, tap the Add Money button in the
app
to start your transfer.
Step 2: Choose your currency
Select the currency you'd like to receive and choose
Peer Transfer.
Please note that only fiat currencies are supported
for Peer Transfers.
Step 3: Get your transfer information
Your URID and QR code will be displayed.
Share either one with the sender so they can complete the transfer.
Step 4: All done!
Once the sender has sent the funds, they'll appear in your UR account
and be available for use instantly.
UR Web
Step 1: Launch the UR Web and log in
After logging in, click the function button in the top-right corner
to
access your account information.
Step 2: Get your transfer information
Your URID and QR code will be displayed.
Share either one with the sender so they can complete the transfer.
Please note that only fiat currencies are supported
for Peer Transfers.
Step 3: All done!
Once the sender has sent the funds, they’ll appear in your UR account
and be available for use right away.
FAQ — Peer Transfer
What are the minimum and maximum Peer Transfer amounts?
The minimum amount you can transfer is 0.01 in each supported currency. The maximum amount depends on your available balance in the selected currency.
Can I transfer crypto using Peer Transfer?
Peer Transfer currently supports fiat currencies only. Crypto transfers are not available through this feature.
Are there any fees for Peer Transfer?
No, Peer Transfers are completely free. You can send and receive funds without any charges.
Why can't I find the user I want to send funds to?
Make sure the recipient is a verified UR user and that you've entered the correct details (such as username or registered information).
How long does a transfer take?
Transfers are completed instantly. Once sent, the recipient will receive the funds immediately and can use them right away.
For your security: UR will only contact you from official @ur.app email addresses or through in-app notifications. We will never ask for your password, private keys, or any sensitive credentials via email. If you receive a suspicious message claiming to be from UR, please do not respond and contact our support team immediately.
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