this post was submitted on 02 Sep 2025
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[–] Auth@lemmy.world 4 points 4 weeks ago (2 children)

Just use a bank? Why all these regulation dodging strange alternatives. Most banks even do email/mobile/tap transfers these days.

[–] ICastFist@programming.dev 4 points 4 weeks ago

My guess is that USAian banks charge stupid fees for any sort of transfer between different banks

[–] Echolynx@lemmy.zip 2 points 4 weeks ago (1 children)

Bank transfer wouldn't be instant. A lot of banks incorporate Zelle, so that's kind of the bank's third-party etransfer. Unless your bank is not one of the ones who has it, or you prefer to use CashApp because that's what your friends all use, etc.

[–] Auth@lemmy.world 1 points 4 weeks ago

cash app is only "instant" because its an internal transfer. Internal transfers within banks are generally instant and interbank is still pretty quick these days. I think its hourly.