About the Change of Account Process
When you transfer a domain to another Sav user this is called a Change of Account. A Change of Account will instantly move the domain to another Sav user's account as well as update the WHOIS contacts for the domain.
You can still perform a change of account while a transfer lock is in place. Transfer locks only apply to transferring domains from one registrar to another.
To receive a domain via Change of Account the recipient must have a Default WHOIS Contact in their My Account page otherwise the Change of Account cannot be started.