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Für die Transaktion ist lediglich die Mobilfunknummer des Empfängers erforderlich - die Angabe der IBAN entfällt. Alternativ können Sie auch die Kartennummer des Empfängers angeben.<br><br>Die Transaktion funktioniert in Echtzeit, Belastung und Gutschrift sind daher sofort auf beiden Konten ersichtlich.<br><br>Mit ZOIN können Sie Geldbeträge auch an Kunden anderer österreichischer Banken senden, von ihnen anfordern und empfangen.<br><br>ZOIN-Betragslimits für Senden und Empfangen:<br>•\tMaximalbetrag pro Tag EUR 400,-<br>•\tMaximalbetrag pro Woche EUR 1.000,-<br>Zusätzlich zu den ZOIN-Betragslimits gelten die mit Ihrem Berater individuell vereinbarten Konto- und Kartenlimits (POS).<br><br><br>Die Registrierung erfolgt direkt in der ELBA-pay App.<br>Für ZOIN benötigen Sie:<br>•\tein Smartphone mit Betriebssystem iOS 11 oder höher<br>•\tdie ELBA-pay App<br>•\teine österreichische Debitkarte (Bankomatkarte)<br>•\tRaiffeisen Online-/Mobile Banking (Mein ELBA) Verfüger mit aktivierter pushTAN<br><br>Kundenkarten in der ELBA-pay App<br><br>In der ELBA-pay App können Sie Ihre diversen Kundenkarten elektronisch speichern, damit diese immer griffbereit am Smartphone dabei sind. Um Kundenkarten zur ELBA-pay App hinzuzufügen, können Sie entweder den Barcode der physischen Karte abfotografieren oder Sie geben die Nummer unterhalb des Barcodes auf Ihrer Kundenkarte manuell in der App ein. Das Kassenpersonal scannt dann die in der App dargestellte Kundenkarte mittels Barcode und Sie genießen die gleichen Vorteile (Vergünstigungen, Rabatte, Punkte sammeln etc.) wie mit Ihrer physischen Kundenkarte.<br><br>Alle Informationen zur ELBA-pay App finden Sie unter raiffeisen.at/elbapay.","app_summary":"'Raiffeisen ELBA-pay', published by a Germany-based company. The app was last updated on 06 May 2022. Released in US on 19 September 2017 and globally on 19 September 2017. 'Raiffeisen ELBA-pay' belongs to the 'Finance' category maintaining a content rating of '4+'. Last month's estimates were < 5k downloads. 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