[{"data":1,"prerenderedAt":753},["ShallowReactive",2],{"post:\u002Fen\u002Fblog\u002Fgroup-fund-and-open-amount-qr":3,"related:\u002Fen\u002Fblog\u002Fgroup-fund-and-open-amount-qr":187},{"id":4,"title":5,"body":6,"category":163,"date":164,"description":165,"extension":166,"faq":167,"h1":177,"key":178,"meta":179,"navigation":180,"path":181,"rawbody":182,"readingTime":183,"seo":184,"stem":185,"updated":164,"__hash__":186},"blog_en\u002Fen\u002Fblog\u002Fgroup-fund-and-open-amount-qr.md","Group fund and open-amount QR",{"type":7,"value":8,"toc":153},"minimark",[9,13,18,26,29,33,44,47,51,84,88,109,113,139],[10,11,12],"p",{},"A group gift, a donation, a tip, a free contribution to an event: in all these cases the amount is not known in advance and everyone gives what they want. A standard invoice, with a fixed amount, doesn't fit. Two optional virement.tn modules meet this need.",[14,15,17],"h2",{"id":16},"the-open-amount-qr","The open-amount QR",[10,19,20,21,25],{},"A ",[22,23,24],"strong",{},"fixed, reusable link or QR code",", where the payer chooses the amount themselves. You can set minimum and maximum limits if you wish.",[10,27,28],{},"Typical uses: free donation, tip, contribution, payment for a small service with no prepared invoice.",[14,30,32],{"id":31},"the-group-fund","The group fund",[10,34,35,36,39,40,43],{},"It is the same principle, with a ",[22,37,38],{},"displayed goal"," and a ",[22,41,42],{},"closing date",": everyone contributes the amount they want, and everyone sees the progress.",[10,45,46],{},"Typical uses: group gift, contribution to a trip or an event, collection for an association or a project.",[14,48,50],{"id":49},"how-it-works","How it works",[52,53,54,61,67,72,78],"ol",{},[55,56,57,60],"li",{},[22,58,59],{},"You enable the module"," from Settings → Features (modules are off by default, so nothing clutters your menu).",[55,62,63,66],{},[22,64,65],{},"You create the link or the group fund",": title, description, destination RIB, and for a group fund, the goal and the closing date.",[55,68,69],{},[22,70,71],{},"You share the link or the QR code.",[55,73,74,77],{},[22,75,76],{},"Each contributor chooses their amount"," and pays by bank transfer from their bank.",[55,79,80,83],{},[22,81,82],{},"You follow the contributions"," as they come in; each transfer confirmed by the bank is recorded.",[14,85,87],{"id":86},"what-it-is-not","What it is not",[89,90,91,97,103],"ul",{},[55,92,93,96],{},[22,94,95],{},"Not a deposit account."," Money does not pile up at virement.tn: each contribution is a direct transfer to your RIB.",[55,98,99,102],{},[22,100,101],{},"Not anonymous."," Each contributor goes through their virement.tn space, as for any invoice.",[55,104,105,108],{},[22,106,107],{},"No direct debit."," Nobody is debited without having decided it.",[14,110,112],{"id":111},"tips-for-a-successful-fundraiser","Tips for a successful fundraiser",[89,114,115,121,127,133],{},[55,116,117,120],{},[22,118,119],{},"Explain what the money is for"," in the description.",[55,122,123,126],{},[22,124,125],{},"Set a realistic goal",": watching the bar advance motivates more than an unreachable target.",[55,128,129,132],{},[22,130,131],{},"Give a closing date"," to create a rhythm.",[55,134,135,138],{},[22,136,137],{},"Say thank you"," to contributors at the end: it is what makes the next fundraiser possible.",[10,140,141,142,147,148,152],{},"The open-amount QR and group fund modules are included in every pack: only the volume of transfers varies, see ",[143,144,146],"a",{"href":145},"\u002Fen\u002Fpricing","pricing",". To understand the general principle of payment by bank transfer, read ",[143,149,151],{"href":150},"\u002Fen\u002Fhow-it-works","how it works",".",{"title":154,"searchDepth":155,"depth":155,"links":156},"",3,[157,159,160,161,162],{"id":16,"depth":158,"text":17},2,{"id":31,"depth":158,"text":32},{"id":49,"depth":158,"text":50},{"id":86,"depth":158,"text":87},{"id":111,"depth":158,"text":112},"Fundraising","2026-09-19","Organizing a group fund or an open-amount payment link in Tunisia: how it works, displayed goal, direct bank transfer to your RIB.","md",[168,171,174],{"q":169,"a":170},"Does the money in a group fund go through virement.tn?","No. Each contribution is treated as a standard invoice, paid by bank transfer directly to the organizer's RIB. virement.tn does not hold the funds and has no intermediate account.",{"q":172,"a":173},"Do contributors need an account?","Yes, they go through their virement.tn space, as for any other invoice.",{"q":175,"a":176},"Can you set a goal and a closing date?","Yes, for a group fund: the goal is displayed, and a closing date can be set.","Group fund and open-amount QR: collect by bank transfer","cagnotte-collective-et-qr-montant-libre",{},true,"\u002Fen\u002Fblog\u002Fgroup-fund-and-open-amount-qr","---\nkey: \"cagnotte-collective-et-qr-montant-libre\"\ntitle: \"Group fund and open-amount QR\"\nh1: \"Group fund and open-amount QR: collect by bank transfer\"\ndescription: \"Organizing a group fund or an open-amount payment link in Tunisia: how it works, displayed goal, direct bank transfer to your RIB.\"\ndate: \"2026-09-19\"\nupdated: \"2026-09-19\"\ncategory: \"Fundraising\"\nreadingTime: 4\nfaq:\n  - q: \"Does the money in a group fund go through virement.tn?\"\n    a: \"No. Each contribution is treated as a standard invoice, paid by bank transfer directly to the organizer's RIB. virement.tn does not hold the funds and has no intermediate account.\"\n  - q: \"Do contributors need an account?\"\n    a: \"Yes, they go through their virement.tn space, as for any other invoice.\"\n  - q: \"Can you set a goal and a closing date?\"\n    a: \"Yes, for a group fund: the goal is displayed, and a closing date can be set.\"\n---\n\nA group gift, a donation, a tip, a free contribution to an event: in all these cases the amount is not known in advance and everyone gives what they want. A standard invoice, with a fixed amount, doesn't fit. Two optional virement.tn modules meet this need.\n\n## The open-amount QR\n\nA **fixed, reusable link or QR code**, where the payer chooses the amount themselves. You can set minimum and maximum limits if you wish.\n\nTypical uses: free donation, tip, contribution, payment for a small service with no prepared invoice.\n\n## The group fund\n\nIt is the same principle, with a **displayed goal** and a **closing date**: everyone contributes the amount they want, and everyone sees the progress.\n\nTypical uses: group gift, contribution to a trip or an event, collection for an association or a project.\n\n## How it works\n\n1. **You enable the module** from Settings → Features (modules are off by default, so nothing clutters your menu).\n2. **You create the link or the group fund**: title, description, destination RIB, and for a group fund, the goal and the closing date.\n3. **You share the link or the QR code.**\n4. **Each contributor chooses their amount** and pays by bank transfer from their bank.\n5. **You follow the contributions** as they come in; each transfer confirmed by the bank is recorded.\n\n## What it is not\n\n- **Not a deposit account.** Money does not pile up at virement.tn: each contribution is a direct transfer to your RIB.\n- **Not anonymous.** Each contributor goes through their virement.tn space, as for any invoice.\n- **No direct debit.** Nobody is debited without having decided it.\n\n## Tips for a successful fundraiser\n\n- **Explain what the money is for** in the description.\n- **Set a realistic goal**: watching the bar advance motivates more than an unreachable target.\n- **Give a closing date** to create a rhythm.\n- **Say thank you** to contributors at the end: it is what makes the next fundraiser possible.\n\nThe open-amount QR and group fund modules are included in every pack: only the volume of transfers varies, see [pricing](\u002Fen\u002Fpricing). To understand the general principle of payment by bank transfer, read [how it works](\u002Fen\u002Fhow-it-works).\n",4,{"title":5,"description":165},"en\u002Fblog\u002Fgroup-fund-and-open-amount-qr","Idkso2ddhXVfjjTl89XmFW1tFEZqybOrW8jOYpnRpvk",[188,389,564],{"id":189,"title":190,"body":191,"category":368,"date":164,"description":369,"extension":166,"faq":370,"h1":380,"key":381,"meta":382,"navigation":180,"path":383,"rawbody":384,"readingTime":385,"seo":386,"stem":387,"updated":164,"__hash__":388},"blog_en\u002Fen\u002Fblog\u002Fhow-leasing-works-in-tunisia.md","Leasing in Tunisia: how does it work?",{"type":7,"value":192,"toc":360},[193,196,200,214,218,238,242,274,278,281,295,307,311,314,344,348],[10,194,195],{},"Leasing is one of the most widely used ways for businesses and professionals to equip themselves — a vehicle, a machine, computer equipment — without tying up the full purchase price at once. Here is how it works, and where the tracking difficulties lie.",[14,197,199],{"id":198},"the-principle","The principle",[10,201,20,202,205,206,209,210,213],{},[22,203,204],{},"leasing company"," buys an asset chosen by its customer and makes it available for a set period, in return for regular ",[22,207,208],{},"rent",". During the contract, the asset belongs to the leasing company; the customer, called the ",[22,211,212],{},"lessee",", uses it.",[14,215,217],{"id":216},"the-parties","The parties",[89,219,220,226,232],{},[55,221,222,225],{},[22,223,224],{},"The leasing company"," (the lessor): it finances the purchase, remains the owner of the asset and collects the rent.",[55,227,228,231],{},[22,229,230],{},"The lessee",": a business, a professional or sometimes an individual, who uses the asset and pays the rent.",[55,233,234,237],{},[22,235,236],{},"The supplier",": the one who sells the asset to the leasing company.",[14,239,241],{"id":240},"how-a-contract-unfolds","How a contract unfolds",[52,243,244,250,256,262,268],{},[55,245,246,249],{},[22,247,248],{},"Choosing the asset."," The customer selects the equipment from a supplier.",[55,251,252,255],{},[22,253,254],{},"The financing agreement."," The leasing company reviews the file, then a contract sets the duration, the amount and the frequency of the rent.",[55,257,258,261],{},[22,259,260],{},"Purchase and handover."," The leasing company buys the asset and hands it over to the lessee.",[55,263,264,267],{},[22,265,266],{},"The rent."," The lessee pays each installment — most often monthly or quarterly — throughout the contract.",[55,269,270,273],{},[22,271,272],{},"End of the contract."," Depending on its terms: exercising a purchase option, returning the asset, or renewal.",[14,275,277],{"id":276},"where-tracking-gets-difficult-for-the-leasing-company","Where tracking gets difficult for the leasing company",[10,279,280],{},"A leasing contract lasts several years and generates dozens of installments. Across a portfolio of a few hundred contracts, you need to know every day:",[89,282,283,286,289,292],{},[55,284,285],{},"which installments are coming, and which have been paid;",[55,287,288],{},"which lessees are late, and for how long;",[55,290,291],{},"who to chase, and when;",[55,293,294],{},"what amount is really at risk.",[10,296,297,298,301,302,306],{},"Doing this tracking by phone and spreadsheet is slow, and delays are discovered late. That is why ",[22,299,300],{},"collections"," has become a profession in its own right in leasing; our article on the ",[143,303,305],{"href":304},"\u002Fen\u002Fblog\u002Fleasing-rent-collection-tunisia","rent collection method"," details the steps.",[14,308,310],{"id":309},"what-the-lessee-should-check-before-signing","What the lessee should check before signing",[10,312,313],{},"Without replacing professional advice, a few points deserve a careful reading of the contract:",[89,315,316,323,329,335,341],{},[55,317,318,319,322],{},"the ",[22,320,321],{},"total amount"," paid over the whole duration, not only the monthly rent;",[55,324,318,325,328],{},[22,326,327],{},"frequency"," and the due dates;",[55,330,318,331,334],{},[22,332,333],{},"consequences of a delay"," (penalties, forfeiture threshold);",[55,336,318,337,340],{},[22,338,339],{},"end-of-contract conditions"," (purchase option, return);",[55,342,343],{},"the costs that remain the lessee's responsibility (insurance, maintenance).",[14,345,347],{"id":346},"where-virementtn-fits-in","Where virement.tn fits in",[10,349,350,351,354,355,359],{},"virement.tn finances nothing: the platform helps leasing companies ",[22,352,353],{},"collect rent by bank transfer and track collections"," — a schedule per contract, reminders before due dates, overdue follow-ups, penalties, indicators. The lessee pays each rent installment from their bank; no direct debit is made. The details are on the ",[143,356,358],{"href":357},"\u002Fen\u002Fleasing-tunisia","leasing"," page.",{"title":154,"searchDepth":155,"depth":155,"links":361},[362,363,364,365,366,367],{"id":198,"depth":158,"text":199},{"id":216,"depth":158,"text":217},{"id":240,"depth":158,"text":241},{"id":276,"depth":158,"text":277},{"id":309,"depth":158,"text":310},{"id":346,"depth":158,"text":347},"Leasing","Leasing in Tunisia explained simply: the parties to the contract, how the financing unfolds, rent, end of contract and the risks of non-payment.",[371,374,377],{"q":372,"a":373},"What is the difference between leasing and a standard loan?","In a leasing arrangement, the leasing company buys the asset and remains its owner during the contract: the customer has the use of it in return for rent. In a standard loan, the borrower owns the asset from the moment of purchase and repays a loan. The exact terms (purchase option, guarantees, taxation) depend on the contract.",{"q":375,"a":376},"What happens at the end of a leasing contract?","It depends on what the contract provides: exercising a purchase option, returning the asset or renewing. Read this clause before signing.",{"q":378,"a":379},"Is virement.tn a leasing company?","No. virement.tn grants no financing. It is a tool for collecting and tracking rent by bank transfer, intended for leasing companies and their lessees.",null,"leasing-tunisie-comment-ca-marche",{},"\u002Fen\u002Fblog\u002Fhow-leasing-works-in-tunisia","---\nkey: \"leasing-tunisie-comment-ca-marche\"\ntitle: \"Leasing in Tunisia: how does it work?\"\ndescription: \"Leasing in Tunisia explained simply: the parties to the contract, how the financing unfolds, rent, end of contract and the risks of non-payment.\"\ndate: \"2026-09-19\"\nupdated: \"2026-09-19\"\ncategory: \"Leasing\"\nreadingTime: 5\nfaq:\n  - q: \"What is the difference between leasing and a standard loan?\"\n    a: \"In a leasing arrangement, the leasing company buys the asset and remains its owner during the contract: the customer has the use of it in return for rent. In a standard loan, the borrower owns the asset from the moment of purchase and repays a loan. The exact terms (purchase option, guarantees, taxation) depend on the contract.\"\n  - q: \"What happens at the end of a leasing contract?\"\n    a: \"It depends on what the contract provides: exercising a purchase option, returning the asset or renewing. Read this clause before signing.\"\n  - q: \"Is virement.tn a leasing company?\"\n    a: \"No. virement.tn grants no financing. It is a tool for collecting and tracking rent by bank transfer, intended for leasing companies and their lessees.\"\n---\n\nLeasing is one of the most widely used ways for businesses and professionals to equip themselves — a vehicle, a machine, computer equipment — without tying up the full purchase price at once. Here is how it works, and where the tracking difficulties lie.\n\n## The principle\n\nA **leasing company** buys an asset chosen by its customer and makes it available for a set period, in return for regular **rent**. During the contract, the asset belongs to the leasing company; the customer, called the **lessee**, uses it.\n\n## The parties\n\n- **The leasing company** (the lessor): it finances the purchase, remains the owner of the asset and collects the rent.\n- **The lessee**: a business, a professional or sometimes an individual, who uses the asset and pays the rent.\n- **The supplier**: the one who sells the asset to the leasing company.\n\n## How a contract unfolds\n\n1. **Choosing the asset.** The customer selects the equipment from a supplier.\n2. **The financing agreement.** The leasing company reviews the file, then a contract sets the duration, the amount and the frequency of the rent.\n3. **Purchase and handover.** The leasing company buys the asset and hands it over to the lessee.\n4. **The rent.** The lessee pays each installment — most often monthly or quarterly — throughout the contract.\n5. **End of the contract.** Depending on its terms: exercising a purchase option, returning the asset, or renewal.\n\n## Where tracking gets difficult for the leasing company\n\nA leasing contract lasts several years and generates dozens of installments. Across a portfolio of a few hundred contracts, you need to know every day:\n\n- which installments are coming, and which have been paid;\n- which lessees are late, and for how long;\n- who to chase, and when;\n- what amount is really at risk.\n\nDoing this tracking by phone and spreadsheet is slow, and delays are discovered late. That is why **collections** has become a profession in its own right in leasing; our article on the [rent collection method](\u002Fen\u002Fblog\u002Fleasing-rent-collection-tunisia) details the steps.\n\n## What the lessee should check before signing\n\nWithout replacing professional advice, a few points deserve a careful reading of the contract:\n\n- the **total amount** paid over the whole duration, not only the monthly rent;\n- the **frequency** and the due dates;\n- the **consequences of a delay** (penalties, forfeiture threshold);\n- the **end-of-contract conditions** (purchase option, return);\n- the costs that remain the lessee's responsibility (insurance, maintenance).\n\n## Where virement.tn fits in\n\nvirement.tn finances nothing: the platform helps leasing companies **collect rent by bank transfer and track collections** — a schedule per contract, reminders before due dates, overdue follow-ups, penalties, indicators. The lessee pays each rent installment from their bank; no direct debit is made. The details are on the [leasing](\u002Fen\u002Fleasing-tunisia) page.\n",5,{"title":190,"description":369},"en\u002Fblog\u002Fhow-leasing-works-in-tunisia","DKeV7unOfNvYJXnZAlJ_eISXy5FG2Vn6Jy2atyR5uqg",{"id":390,"title":391,"body":392,"category":544,"date":164,"description":545,"extension":166,"faq":546,"h1":556,"key":557,"meta":558,"navigation":180,"path":559,"rawbody":560,"readingTime":385,"seo":561,"stem":562,"updated":164,"__hash__":563},"blog_en\u002Fen\u002Fblog\u002Fhow-to-make-a-bank-transfer-in-tunisia.md","Making a bank transfer in Tunisia: the guide",{"type":7,"value":393,"toc":537},[394,397,401,431,435,473,477,507,511,514,518],[10,395,396],{},"A bank transfer is the most common way to pay a supplier, rent, school fees or an invoice for a large amount. It is simple, but a mistake in the RIB is hard to fix. Here are the steps to follow and the points to watch.",[14,398,400],{"id":399},"what-you-need-before-you-start","What you need before you start",[89,402,403,413,419,425],{},[55,404,405,408,409,152],{},[22,406,407],{},"The beneficiary's RIB",", 20 digits. Ask for it in writing (invoice, message) rather than verbally. We detail its structure in our article on the ",[143,410,412],{"href":411},"\u002Fen\u002Fblog\u002Ftunisian-rib-structure-and-verification","Tunisian RIB",[55,414,415,418],{},[22,416,417],{},"The beneficiary's name",", to check that the account matches the person or company you want to pay.",[55,420,421,424],{},[22,422,423],{},"The amount",", in Tunisian dinars (TND).",[55,426,427,430],{},[22,428,429],{},"A reference",": invoice number, contract number, month concerned. It is what lets the beneficiary know what the transfer is for.",[14,432,434],{"id":433},"the-steps","The steps",[52,436,437,443,449,455,461,467],{},[55,438,439,442],{},[22,440,441],{},"Choose the channel"," offered by your bank: branch, or the online banking service \u002F mobile app, depending on what your bank provides.",[55,444,445,448],{},[22,446,447],{},"Add the beneficiary"," by entering their RIB, or select them if they are already saved.",[55,450,451,454],{},[22,452,453],{},"Enter the amount"," and the reference.",[55,456,457,460],{},[22,458,459],{},"Re-read before confirming",": RIB, beneficiary name, amount. This is the cheapest moment to correct anything.",[55,462,463,466],{},[22,464,465],{},"Confirm"," following your bank's procedure (code, authentication, signature).",[55,468,469,472],{},[22,470,471],{},"Keep the receipt",": it proves the date and the amount of your payment.",[14,474,476],{"id":475},"the-most-common-mistakes","The most common mistakes",[89,478,479,489,495,501],{},[55,480,481,484,485,488],{},[22,482,483],{},"A swapped digit in the RIB."," The RIB check key detects most of these typing errors, but not every deliberate substitution (see how to check a RIB in the ",[143,486,487],{"href":411},"dedicated article",").",[55,490,491,494],{},[22,492,493],{},"A RIB obtained through an unsafe channel."," Be wary of a RIB change announced by message: confirm it another way before paying.",[55,496,497,500],{},[22,498,499],{},"No reference."," The beneficiary receives an amount without knowing which invoice to apply it to — the first source of manual reconciliation.",[55,502,503,506],{},[22,504,505],{},"Forgetting to confirm the payment to the beneficiary."," A confirmed transfer is not necessarily credited yet.",[14,508,510],{"id":509},"fees-limits-timing-ask-your-bank","Fees, limits, timing: ask your bank",[10,512,513],{},"Fees, per-transaction limits and execution times depend on each bank and on the channel. We deliberately give no figures here: check your bank's terms.",[14,515,517],{"id":516},"and-if-you-are-the-one-collecting","And if you are the one collecting?",[10,519,520,521,525,526,529,530,534,535,359],{},"Receiving a transfer is simple, but knowing ",[522,523,524],"em",{},"which invoice"," it settles and ",[522,527,528],{},"when"," it arrived is less so. With ",[143,531,533],{"href":532},"\u002Fen\u002Fbank-transfer-tunisia","virement.tn",", you issue an invoice, the customer pays it by bank transfer from their bank, and you are notified as soon as the bank confirms — with no manual reconciliation. The principle is detailed on the ",[143,536,151],{"href":150},{"title":154,"searchDepth":155,"depth":155,"links":538},[539,540,541,542,543],{"id":399,"depth":158,"text":400},{"id":433,"depth":158,"text":434},{"id":475,"depth":158,"text":476},{"id":509,"depth":158,"text":510},{"id":516,"depth":158,"text":517},"Bank transfers","The steps to make a bank transfer in Tunisia: the beneficiary's RIB, channels, checks to make before confirming and common mistakes to avoid.",[547,550,553],{"q":548,"a":549},"What information do you need to make a transfer in Tunisia?","The beneficiary's RIB (20 digits), their name, the amount in Tunisian dinars and, if possible, a reason or reference that will let the beneficiary identify the payment.",{"q":551,"a":552},"Can you cancel a transfer once it is confirmed?","It depends on the bank and on the state of the transfer. Once executed, it generally cannot be cancelled by the payer: you must contact your bank as quickly as possible. Hence the importance of checking the RIB carefully before confirming.",{"q":554,"a":555},"How long does a transfer take?","It varies by bank, by the channel used and by the time of the order. Ask your bank rather than assuming a delay.","How to make a bank transfer in Tunisia: a practical guide","comment-faire-un-virement-bancaire-en-tunisie",{},"\u002Fen\u002Fblog\u002Fhow-to-make-a-bank-transfer-in-tunisia","---\nkey: \"comment-faire-un-virement-bancaire-en-tunisie\"\ntitle: \"Making a bank transfer in Tunisia: the guide\"\nh1: \"How to make a bank transfer in Tunisia: a practical guide\"\ndescription: \"The steps to make a bank transfer in Tunisia: the beneficiary's RIB, channels, checks to make before confirming and common mistakes to avoid.\"\ndate: \"2026-09-19\"\nupdated: \"2026-09-19\"\ncategory: \"Bank transfers\"\nreadingTime: 5\nfaq:\n  - q: \"What information do you need to make a transfer in Tunisia?\"\n    a: \"The beneficiary's RIB (20 digits), their name, the amount in Tunisian dinars and, if possible, a reason or reference that will let the beneficiary identify the payment.\"\n  - q: \"Can you cancel a transfer once it is confirmed?\"\n    a: \"It depends on the bank and on the state of the transfer. Once executed, it generally cannot be cancelled by the payer: you must contact your bank as quickly as possible. Hence the importance of checking the RIB carefully before confirming.\"\n  - q: \"How long does a transfer take?\"\n    a: \"It varies by bank, by the channel used and by the time of the order. Ask your bank rather than assuming a delay.\"\n---\n\nA bank transfer is the most common way to pay a supplier, rent, school fees or an invoice for a large amount. It is simple, but a mistake in the RIB is hard to fix. Here are the steps to follow and the points to watch.\n\n## What you need before you start\n\n- **The beneficiary's RIB**, 20 digits. Ask for it in writing (invoice, message) rather than verbally. We detail its structure in our article on the [Tunisian RIB](\u002Fen\u002Fblog\u002Ftunisian-rib-structure-and-verification).\n- **The beneficiary's name**, to check that the account matches the person or company you want to pay.\n- **The amount**, in Tunisian dinars (TND).\n- **A reference**: invoice number, contract number, month concerned. It is what lets the beneficiary know what the transfer is for.\n\n## The steps\n\n1. **Choose the channel** offered by your bank: branch, or the online banking service \u002F mobile app, depending on what your bank provides.\n2. **Add the beneficiary** by entering their RIB, or select them if they are already saved.\n3. **Enter the amount** and the reference.\n4. **Re-read before confirming**: RIB, beneficiary name, amount. This is the cheapest moment to correct anything.\n5. **Confirm** following your bank's procedure (code, authentication, signature).\n6. **Keep the receipt**: it proves the date and the amount of your payment.\n\n## The most common mistakes\n\n- **A swapped digit in the RIB.** The RIB check key detects most of these typing errors, but not every deliberate substitution (see how to check a RIB in the [dedicated article](\u002Fen\u002Fblog\u002Ftunisian-rib-structure-and-verification)).\n- **A RIB obtained through an unsafe channel.** Be wary of a RIB change announced by message: confirm it another way before paying.\n- **No reference.** The beneficiary receives an amount without knowing which invoice to apply it to — the first source of manual reconciliation.\n- **Forgetting to confirm the payment to the beneficiary.** A confirmed transfer is not necessarily credited yet.\n\n## Fees, limits, timing: ask your bank\n\nFees, per-transaction limits and execution times depend on each bank and on the channel. We deliberately give no figures here: check your bank's terms.\n\n## And if you are the one collecting?\n\nReceiving a transfer is simple, but knowing *which invoice* it settles and *when* it arrived is less so. With [virement.tn](\u002Fen\u002Fbank-transfer-tunisia), you issue an invoice, the customer pays it by bank transfer from their bank, and you are notified as soon as the bank confirms — with no manual reconciliation. The principle is detailed on the [how it works](\u002Fen\u002Fhow-it-works) page.\n",{"title":391,"description":545},"en\u002Fblog\u002Fhow-to-make-a-bank-transfer-in-tunisia","XJCYe_21AnKhPVpxMuhReaOT_HQ73Z4z8hq6g2ojaZs",{"id":565,"title":566,"body":567,"category":368,"date":164,"description":735,"extension":166,"faq":736,"h1":380,"key":746,"meta":747,"navigation":180,"path":304,"rawbody":748,"readingTime":749,"seo":750,"stem":751,"updated":164,"__hash__":752},"blog_en\u002Fen\u002Fblog\u002Fleasing-rent-collection-tunisia.md","Leasing rent collection in Tunisia: the method",{"type":7,"value":568,"toc":725},[569,576,580,583,591,598,602,609,613,620,624,644,648,700,707,711,718],[10,570,571,572,575],{},"Collecting leasing rent does not start on the day of the delay: it starts at the ",[22,573,574],{},"creation of the contract",", when the schedule, the follow-up rules and the thresholds are set. Here is a six-step method, whatever your tool.",[14,577,579],{"id":578},"_1-start-from-a-reliable-schedule","1. Start from a reliable schedule",[10,581,582],{},"Each contract must have a dated, quantified schedule: amount of each installment, frequency, number of installments. If the schedule is approximate, all the monitoring will be too. A schedule entered once and then applied automatically avoids recalculating by hand every month.",[14,584,586,587,590],{"id":585},"_2-remind-before-the-due-date","2. Remind ",[522,588,589],{},"before"," the due date",[10,592,593,594,597],{},"A large number of delays are not refusals to pay: they are oversights. A reminder sent a few days before the due date — on virement.tn, ",[22,595,596],{},"three days before"," — costs almost nothing and avoids part of the delays.",[14,599,601],{"id":600},"_3-detect-the-delay-the-very-next-day","3. Detect the delay the very next day",[10,603,604,605,608],{},"Don't discover a delay at month end. The delay must be calculated ",[22,606,607],{},"every day",", per installment, in number of days. It is this figure that drives the follow-up, the penalty and the contract's status.",[14,610,612],{"id":611},"_4-follow-up-in-steps","4. Follow up in steps",[10,614,615,616,619],{},"A single follow-up on day 1 and then silence is not a method. A graduated follow-up — for example at 1, 7 and then 15 days — gives the lessee time to catch up while showing that the delay is being tracked. The important point: ",[22,617,618],{},"a follow-up must not be sent twice"," for the same step.",[14,621,623],{"id":622},"_5-frame-it-with-penalties-and-a-default-threshold","5. Frame it with penalties and a default threshold",[89,625,626,632,638],{},[55,627,628,631],{},[22,629,630],{},"The late-payment penalty",", if your contract provides for one, must be applied consistently: a daily rate or a fixed amount, defined in advance.",[55,633,634,637],{},[22,635,636],{},"The default threshold",": after how many days late does a contract move “into default”? Set contract by contract, this threshold triggers the appropriate handling (commercial contact, restructuring, proceedings).",[55,639,640,643],{},[22,641,642],{},"Flexibility",": postponing an installment or revising its amount can be more profitable than going to litigation, provided it remains documented.",[14,645,647],{"id":646},"_6-steer-with-four-indicators","6. Steer with four indicators",[649,650,651,664],"table",{},[652,653,654],"thead",{},[655,656,657,661],"tr",{},[658,659,660],"th",{},"Indicator",[658,662,663],{},"Question it answers",[665,666,667,676,684,692],"tbody",{},[655,668,669,673],{},[670,671,672],"td",{},"Collection rate",[670,674,675],{},"What share of what is due has been collected?",[655,677,678,681],{},[670,679,680],{},"Weighted average delay",[670,682,683],{},"What is the average age of delays, taking amounts into account?",[655,685,686,689],{},[670,687,688],{},"Overdue installments",[670,690,691],{},"How many, and for what amounts?",[655,693,694,697],{},[670,695,696],{},"At-risk contracts",[670,698,699],{},"Which ones should be handled first?",[10,701,702,703,706],{},"The average delay ",[522,704,705],{},"weighted by amount"," prevents a small, very late rent installment from masking a large, slightly late one.",[14,708,710],{"id":709},"what-this-looks-like-with-virementtn","What this looks like with virement.tn",[10,712,713,714,717],{},"This is exactly the mechanism of ",[143,715,716],{"href":357},"virement.tn for leasing",": a schedule per contract, a reminder three days before, delay recalculated every night, graduated follow-ups, penalties, default threshold, indicators and CSV export of the portfolio. The lessee pays each rent installment by bank transfer from their bank: there is no direct debit.",[10,719,720,721,359],{},"Want to understand the logic of installments themselves? See the ",[143,722,724],{"href":723},"\u002Fen\u002Finstallment-payments","installment payments",{"title":154,"searchDepth":155,"depth":155,"links":726},[727,728,730,731,732,733,734],{"id":578,"depth":158,"text":579},{"id":585,"depth":158,"text":729},"2. Remind before the due date",{"id":600,"depth":158,"text":601},{"id":611,"depth":158,"text":612},{"id":622,"depth":158,"text":623},{"id":646,"depth":158,"text":647},{"id":709,"depth":158,"text":710},"How to structure leasing rent collection: schedule, reminders, graduated follow-ups, penalties, default status and indicators to monitor.",[737,740,743],{"q":738,"a":739},"When should you chase a late lessee?","As early as possible, but in a graduated way. On virement.tn, a reminder goes out three days before the due date, then follow-ups at 1, 7 and 15 days late, each step being sent only once.",{"q":741,"a":742},"Which indicators should you track to steer collections?","The collection rate, the average delay weighted by amounts, the number of overdue contracts and the list of the most at-risk contracts.",{"q":744,"a":745},"Should a penalty be applied for every delay?","It is a commercial and contractual decision. A tool should above all let you apply it consistently, with a daily rate or a fixed amount defined in advance.","recouvrement-loyers-leasing-tunisie",{},"---\nkey: \"recouvrement-loyers-leasing-tunisie\"\ntitle: \"Leasing rent collection in Tunisia: the method\"\ndescription: \"How to structure leasing rent collection: schedule, reminders, graduated follow-ups, penalties, default status and indicators to monitor.\"\ndate: \"2026-09-19\"\nupdated: \"2026-09-19\"\ncategory: \"Leasing\"\nreadingTime: 6\nfaq:\n  - q: \"When should you chase a late lessee?\"\n    a: \"As early as possible, but in a graduated way. On virement.tn, a reminder goes out three days before the due date, then follow-ups at 1, 7 and 15 days late, each step being sent only once.\"\n  - q: \"Which indicators should you track to steer collections?\"\n    a: \"The collection rate, the average delay weighted by amounts, the number of overdue contracts and the list of the most at-risk contracts.\"\n  - q: \"Should a penalty be applied for every delay?\"\n    a: \"It is a commercial and contractual decision. A tool should above all let you apply it consistently, with a daily rate or a fixed amount defined in advance.\"\n---\n\nCollecting leasing rent does not start on the day of the delay: it starts at the **creation of the contract**, when the schedule, the follow-up rules and the thresholds are set. Here is a six-step method, whatever your tool.\n\n## 1. Start from a reliable schedule\n\nEach contract must have a dated, quantified schedule: amount of each installment, frequency, number of installments. If the schedule is approximate, all the monitoring will be too. A schedule entered once and then applied automatically avoids recalculating by hand every month.\n\n## 2. Remind *before* the due date\n\nA large number of delays are not refusals to pay: they are oversights. A reminder sent a few days before the due date — on virement.tn, **three days before** — costs almost nothing and avoids part of the delays.\n\n## 3. Detect the delay the very next day\n\nDon't discover a delay at month end. The delay must be calculated **every day**, per installment, in number of days. It is this figure that drives the follow-up, the penalty and the contract's status.\n\n## 4. Follow up in steps\n\nA single follow-up on day 1 and then silence is not a method. A graduated follow-up — for example at 1, 7 and then 15 days — gives the lessee time to catch up while showing that the delay is being tracked. The important point: **a follow-up must not be sent twice** for the same step.\n\n## 5. Frame it with penalties and a default threshold\n\n- **The late-payment penalty**, if your contract provides for one, must be applied consistently: a daily rate or a fixed amount, defined in advance.\n- **The default threshold**: after how many days late does a contract move “into default”? Set contract by contract, this threshold triggers the appropriate handling (commercial contact, restructuring, proceedings).\n- **Flexibility**: postponing an installment or revising its amount can be more profitable than going to litigation, provided it remains documented.\n\n## 6. Steer with four indicators\n\n| Indicator | Question it answers |\n| --- | --- |\n| Collection rate | What share of what is due has been collected? |\n| Weighted average delay | What is the average age of delays, taking amounts into account? |\n| Overdue installments | How many, and for what amounts? |\n| At-risk contracts | Which ones should be handled first? |\n\nThe average delay *weighted by amount* prevents a small, very late rent installment from masking a large, slightly late one.\n\n## What this looks like with virement.tn\n\nThis is exactly the mechanism of [virement.tn for leasing](\u002Fen\u002Fleasing-tunisia): a schedule per contract, a reminder three days before, delay recalculated every night, graduated follow-ups, penalties, default threshold, indicators and CSV export of the portfolio. The lessee pays each rent installment by bank transfer from their bank: there is no direct debit.\n\nWant to understand the logic of installments themselves? See the [installment payments](\u002Fen\u002Finstallment-payments) page.\n",6,{"title":566,"description":735},"en\u002Fblog\u002Fleasing-rent-collection-tunisia","_oX4hs2-9HzjlD5pJXgVBTdrMm8xUXoKuOXT45dQygA",1789922122294]