Find anyone by phone or email
Search for another user on your platform without ever asking them for bank details.
Payments & Money Movement
Instant Internal Transfers
Send money to anyone else on your platform using just a phone number or email. No bank details, no external provider, and no exposing someone’s full identity just to find them.
Y
You
250.00 GBP
W
William S.Sent using just an email address. No bank details exchanged.
Privacy protected
Only a first name and last initial are shown, never a full identity, just from a phone number or email.
No bank detailsJust a phone number or email.
What’s included
Built for sending money to someone you already know
A different kind of transfer for a different situation. No bank details, no provider, and privacy built into the lookup itself.
No provider in the middle
Funds move by recalculating balances directly, without routing through an external payment scheme.
Privacy protected lookup
A found individual shows only a first name and last initial, so no one can learn someone’s full identity just by guessing.
Verified on both sides
Both the sender and the recipient must be actively verified, closing a gap other transfer types can leave open.
Works for businesses too
Corporate accounts can send and receive, found by account ID or email rather than phone number.
Recipients saved automatically
Once a transfer is sent, that recipient is saved for next time, so a repeat payment takes a single search away.
How it works
Five steps, no bank details required
The whole flow happens inside the same account currency the sender already has open.
Search for a recipient
By phone number, email, or account ID, scoped to the currency of the sending account.
Confirm who was found
A first name and last initial for a person, or a full name for a company.
Enter the amount
Along with an optional reference, checked against the sender’s available balance.
Review the total
Amount plus any fee, calculated according to the sender’s own contract.
Send it
Balances update directly, and the recipient is saved for next time.
FIND A RECIPIENT
Search by phone, email, or account ID
D
Daniel R.
Found in EUR
Finding a recipient
One search, matched to the right currency
The search only looks for an account in the currency the sender is sending from.
- Switch the sending account and the search runs again automatically
- A company’s full name is shown, since that’s already public information
- No match simply reads as no recipient, without hinting why
Sending the transfer
Amount, reference, and the total, all upfront
No hidden fee, and no bank form to fill in first.
- An optional reference, up to 35 characters
- The fee, if any, is calculated from the sender’s own contract
- If the total is more than the available balance, that’s flagged immediately
Daniel R.
250.00 EUR
Rent share, March
Total to send250.00 EUR
Send money
Why FinHost
The simplest way to move money between your own customers
Simpler than an external transfer
No IBAN, sort code, or routing number. Just a phone number or email, and the money moves.
Privacy by design
Looking someone up never reveals more than a first name and last initial, protecting both sides of the search.
Verified on both ends
An unverified recipient simply can’t be found, so risk isn’t left on one side of the transfer only.
A note on scope: this searches within your own platform’s user base only, not across other FinHost powered platforms. It also currently supports fiat currencies only, not crypto.
Related FinHost modules
Part of the same money movement experience
Let your customers pay each other directly
A phone number or email is all it takes, with privacy and verification built in on both sides.
S
Susana B.
Sent 250.00 EUR
Frequently Asked Questions
Can I send to anyone with a phone number, or only other customers?
Only other users of your own platform. This isn’t a network across different apps or providers, it searches your own user base.
What does the recipient see when I search for them?
Nothing. The sender sees a privacy protected version of the recipient’s name, a first name and last initial for an individual, or a full name for a company.
What happens if the recipient isn’t verified?
They simply won’t be found. Both the sender and the recipient need an active, verified account for a transfer to go through.
Does this work for crypto accounts?
No, internal transfers currently support fiat currencies only.
Is this faster than sending through SEPA or SWIFT?
There’s no external provider step involved, since balances update directly within the platform. Exact timing not guaranteed