We discuss the usefulness of the independent-particle model to describe cha
rge-transfer processes. We consider. as a benchmark case, avoided crossing
transitions in two-electron systems, described by means of the Landau-Zener
-Stueckelberg model. It is shown that the independent-particle model, with
an equivalent-electron interpretation of the one-electron transition probab
ilities, reproduces single-electron transition probabilities for a wide ran
ge of physical situations. Significant deviations with respect to a two-ele
ctron calculation are related to Stueckelberg oscillations of the transitio
n probabilities.