Sending money by phone - directly without a bank

Lova enables peer-to-peer (P2P) money transfers between users — instantly, simply, and affordably, directly through the mobile app.

No need to go to the bank, no waiting, and no complicated procedures. Whether you're sending a small amount to a friend, repaying a debt, or splitting costs, Lova makes it possible with just a few taps on your phone.

What is P2P money transfer via Lova?

P2P (peer-to-peer) money transfer involves the direct transfer of funds between users, without intermediaries. With the Lova app, money is sent from one Lova e-wallet to another, in real-time, including cross-border transfers between users. The money is available to the recipient immediately after sending, regardless of the amount or location.

Benefits of P2P sending

Full control and overview

You always have insight into the history and status of all transactions directly in the app.

Cross-border money transfers

Lova enables cross-border P2P money transfers between users, without traditional banking procedures and long waiting periods.

Ideal for small amounts

It's the perfect solution for everyday small-amount transfers — quick, easy, and affordable.

Flexible sending: email or wallet ID

You can send money by entering the recipient's email address or via a Lova wallet ID number.

Instant transfers 24/7

Funds reach the recipient instantly, with no waiting, weekends, or business hours.

How to send money
via Lova?

Open the Lova app
Select the "Send" option
Enter the recipient's email address or wallet ID
Enter the amount and confirm the transaction
Money arrives instantly in the recipient's Lova e-wallet.

What if the recipient doesn't have the Lova app?

If the recipient is not a registered Lova user, they will receive an email notification informing them that the sender has sent them money, along with the exact transaction amount.

The recipient has 7 days to:

Installs the Lova app,
Registers and verifies an account,

to claim the sent money. If the account is not opened within that period, the funds are automatically returned to the sender.

Secure
money transfer

Lova uses multi-layered security protection, including:

  • Modern encryption,
  • Biometric or PIN authentication,
  • Device authorization.

Every transaction is protected, and control remains in the user's hands.

P2P money transfers for everyday needs

Lova P2P transfers are ideal for:

  • Sending money to friends and family at home and abroad,
  • Splitting expenses,
  • Quick refunds,
  • Everyday personal transfers.

No waiting. No complications. No bank

Cash
withdrawal

After receiving money in your Lova e-wallet, you can easily withdraw the funds in cash at a large number of locations across BiH.

Cash withdrawal is available:

  • At numerous payout locations
  • At ATMs, including Nova Banka ATMs.

This way, Lova combines digital money transfer with convenient cash access, whenever you need it.

All in one
app

P2P money transfer is Lova's core and most important service, but just one part of a broader digital ecosystem.

Lova is an e-wallet that is continuously evolving and consolidates all your financial needs into one app. You have Lova for everything