How do I create a structured message when making a transfer?

A transfer with a structured communication is a combination of three groups of 12 (three, four and five, respectively) digits (e.g., +++090/9337/55493++) separated by a slash. There are always three plus signs or stars before and after the communication.


In some  banks, the plus signs (+) and slashes (/) are already pre-filled.
At Nickel, the signs are not pre-populated, we ask you to fill them in manually for the moment. This will ensure a structured communication.

So, if you want to make a transaction with a structured communication, here are the steps to follow:

  • Via the application: 
  • Click on 'TRANSACTIONS'
  • Then click on 'New transfer
  • Then click on the desired beneficiary
  • Fill in the amount to be sent
  • And then in the box 'Label' you can fill in the structured communication

For example:


  • Then click on 'Next'.
  • You will then see the overview of your transaction
  • Finally, click on 'Make a transfer'.

And that's it! 


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