I just did a test
P1 - 1 personal, 4 business UR cards
P2 - 2 personal, 5 business UR cards
Both of us have business and personal accounts linked to business log in.
When I log in to our personal accounts the only option is to transfer to personal. When I log into business I can transfer to business or personal.
The transfer to P2 card on P1 account is a personal account, and available on both log ons