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Interesting that there's an 18 character limit. In Australia, with the NPP (equivalent to UK's Faster Payments), your description can be up to 280 characters including, of course, emoji.

Out of curiosity, does Faster Payments allow you to pay to any other identifier (email address, phone number), or only bank account number? More importantly... does it support emoji?

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> does Faster Payments allow you to pay to any other identifier (email address, phone number)

There is a system called Paym which lets you send money to (the bank account associated with) a phone number, but you have to sign up for it explicitly to associate your phone number with your account, and I personally have never used it nor heard of anyone I know using it.

> does it support emoji?

I believe it's limited to some subset of uppercase ASCII only. However, some banks allow emoji for transfers to other accounts within the same bank (e.g. Monzo).

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