Can do transfer on iban or phone with some banks,
add some transfer attributes to handle theses cases.
beneficiary_type: type of creditor like 'recipient' for beneficiary in recipient list, 'iban' or 'phone_number'
beneficiary_number: transfer creditor identifiant like 'FRXXXXXXXXXXXXXXXXXXXX' or '06XXXXXX'
beneficiary_label: creditor name for transfer to iban or other
accepted_beneficiary_types: all transfer beneficiary types implemented by the module, default is 'recipient'