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    Shared Spaces - Trusted Beneficiary

    A trusted beneficiary of a Shared Space can:

    • Transfer money from their own Spaces (including other Shared Spaces of which they are a participant) to a Shared Space.
    • Access and freely transfer the funds of a Shared Space at any time.
    • Leave a Shared Space at any time.

    Transfers between a trusted beneficiary and a Shared Space do not need to be authenticated via Pin and Push notification. This means that beneficiaries can seamlessly drag-and-drop money via the N26 app and Web app similarity to how normal Space transactions work.

    Why do I need to classify an owner or member as a trusted beneficiary?

    European banking law regulates how bank transfers must be authorised. 

    In this law strong customer authentication (SCA) is a requirement to make online payments more secure. 

    One exception to this is the classification of a person in a Shared Space as a “trusted beneficiary” so that transfers to this person do not require SCA.

    Learn more

    • What are Shared Spaces?
    • How to add or remove Shared Space participants?

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