Do I need to add a payee before making a transfer via Scan & Pay or can I perform ad-hoc transfers?

No, you do not need to add a payee beforehand.

The Scan & Pay feature is fully designed for one time transfers. You can simply open your MariBank app, scan the merchant's SGQR label, enter the transaction amount, and complete the payment instantly.

For your security, these ad-hoc payments do not require saving the merchant to a recipient list, but they are subject to your account's daily local transfer limits, which you can adjust at any time directly within the app's settings.