What information do you need to make a transfer in Tunisia?

The beneficiary's RIB (20 digits), their name, the amount in Tunisian dinars and, if possible, a reason or reference that will let the beneficiary identify the payment.

Can you cancel a transfer once it is confirmed?

It depends on the bank and on the state of the transfer. Once executed, it generally cannot be cancelled by the payer: you must contact your bank as quickly as possible. Hence the importance of checking the RIB carefully before confirming.

How long does a transfer take?

It varies by bank, by the channel used and by the time of the order. Ask your bank rather than assuming a delay.

Making a bank transfer in Tunisia: the guide

A bank transfer is the most common way to pay a supplier, rent, school fees or an invoice for a large amount. It is simple, but a mistake in the RIB is hard to fix. Here are the steps to follow and the points to watch.

What you need before you start

The beneficiary's RIB, 20 digits. Ask for it in writing (invoice, message) rather than verbally. We detail its structure in our article on the Tunisian RIB.
The beneficiary's name, to check that the account matches the person or company you want to pay.
The amount, in Tunisian dinars (TND).
A reference: invoice number, contract number, month concerned. It is what lets the beneficiary know what the transfer is for.

The steps

Choose the channel offered by your bank: branch, or the online banking service / mobile app, depending on what your bank provides.
Add the beneficiary by entering their RIB, or select them if they are already saved.
Enter the amount and the reference.
Re-read before confirming: RIB, beneficiary name, amount. This is the cheapest moment to correct anything.
Confirm following your bank's procedure (code, authentication, signature).
Keep the receipt: it proves the date and the amount of your payment.

The most common mistakes

A swapped digit in the RIB. The RIB check key detects most of these typing errors, but not every deliberate substitution (see how to check a RIB in the dedicated article).
A RIB obtained through an unsafe channel. Be wary of a RIB change announced by message: confirm it another way before paying.
No reference. The beneficiary receives an amount without knowing which invoice to apply it to — the first source of manual reconciliation.
Forgetting to confirm the payment to the beneficiary. A confirmed transfer is not necessarily credited yet.

Fees, limits, timing: ask your bank

Fees, per-transaction limits and execution times depend on each bank and on the channel. We deliberately give no figures here: check your bank's terms.

And if you are the one collecting?

Receiving a transfer is simple, but knowing which invoice it settles and when it arrived is less so. With virement.tn, you issue an invoice, the customer pays it by bank transfer from their bank, and you are notified as soon as the bank confirms — with no manual reconciliation. The principle is detailed on the how it works page.

How to make a bank transfer in Tunisia: a practical guide