What details do I need about the recipient?

You usually need the recipient's full name exactly as it appears on their bank account, their account number and the bank's IFSC code. Some providers support other identifiers, such as a UPI address, so check which ones your provider accepts. One wrong digit can delay a payment or send it to the wrong place, so copy the details from a trusted source such as a bank statement and confirm them with the recipient by phone or in person. Never accept changed bank details from an email or message without verifying them separately.¹