Go into your local bank and ask to transfer X to someone's IBAN account. You'll first have to open an account (KYC), then show an invoice.
You can't just transfer money between private accounts.
I don't understand where should be a problem. Letspaydigital.com own a bank account in SEPA. They can send how much money they want to any bank account that has an IBAN number. Like me in Belgium, from my home net banking system, I only need somebody's IBAN number anywhere in SEPA Europe, not even need the BIC, to send money to his bank account, and absolutely no need for an invoice...
www.letspaydigital.com is a "copy" of Bitwala, Spectrobill, PixPay, Cashila, Bitbill, Bylls...
