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this post was submitted on 25 Sep 2023
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In the Eurozone private banks simply have to facilitate wire transfers to other accounts free of charge and instantly. People do it through their bank's app or website, usually. This is regulated through the SEPA.
As for taxes, I do it in a few minutes through the free government-provided online portal.
Then again, you probably don't have to sign so many Datenschutzerklärungen...
WTF free transfers?
Good for them, man. That's awesome.
Yeah, anything without free regular transfers (2/3 days of delay at most) and at least 1 debit card won't get customers.
Then there's Bizum here too (Spain), which a system used by all the banks to be able to send money to someone through their mobile phone, without knowing their bank account. We use it in outings where 1 pays for all and then we divide the receipts and just instant transfer whatever each one ate.
Some businesses are starting to use Bizum too to avoid the cut Visa and other card carriers take.
Oh wait. The US has fees if you transfer immediately. Outside of 2-3 days is free. I thought you guys were saying the immediate transfers are free.
Sorry for the late message but we don't really use regular transfers for outings, we use the bizum system, which I think that is a Spain only thing, where the app of every bank has some sort of panel where you can send money to people on your contacts based on their phone number if they have it registered, and you send the money to their bank account without knowing their IBAN or anything.
That's pretty cool. So it's basically Venmo, but government backed? Pretty handy.