A Money Transfer allows you to send available money that you have in your myCitadel Wallet to anyone with a valid email address. When a Money Transfer is sent, both the sender and recipient receive email notifications of the transfer.
If the recipient currently has a wallet account, they would simply login to their wallet to receive their money (as long as the email address to which the money was sent is associated to a wallet account).
If the recipient does not have a wallet account, they would need to open an account using the email address to which the Money Transfer was sent. The recipient would be provided instructions on opening an account.