# Making a bank transfer in Tunisia: the guide

> The steps to make a bank transfer in Tunisia: the beneficiary's RIB, channels, checks to make before confirming and common mistakes to avoid.

Source : https://virement.tn/en/blog/how-to-make-a-bank-transfer-in-tunisia — last updated : 2026-09-19

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](/en/blog/tunisian-rib-structure-and-verification).
- **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

1. **Choose the channel** offered by your bank: branch, or the online banking service / mobile app, depending on what your bank provides.
2. **Add the beneficiary** by entering their RIB, or select them if they are already saved.
3. **Enter the amount** and the reference.
4. **Re-read before confirming**: RIB, beneficiary name, amount. This is the cheapest moment to correct anything.
5. **Confirm** following your bank's procedure (code, authentication, signature).
6. **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](/en/blog/tunisian-rib-structure-and-verification)).
- **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](/en/bank-transfer-tunisia), 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](/en/how-it-works) page.

## Frequently asked questions

### 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.