In order for your bitcoin purchase to be successfully executed, there must be an open order in the Relai app where the following criteria from the buy order must match your bank transfer exactly:
IBAN
Amount
Currency
If a criterion doesn’t match, your money will be returned immediately and automatically to your bank account. In the event of a transaction refund, we charge a CHF/EUR 0.6 fee.
Please note that as of version 2.0.0, Relai has a different IBAN and you are no longer required to input a payment message as the app recognizes that the payment is coming from you based on your IBAN, currency, and amount.