• PeleSpirit@lemmy.world
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    1 year ago

    Doesn’t Canada and a lot of Europe have that? I think Japan has a state bank, but I’m not sure if that’s included. This info is awesome, could you elaborate on who has it or what it’s called so I could look it up?

    • Hapankaali@lemmy.world
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      1 year ago

      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.

        • Hapankaali@lemmy.world
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          1 year ago

          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…

        • Fushuan [he/him]@lemm.ee
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          1 year ago

          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.

          • WarmSoda@lemm.ee
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            1 year ago

            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.

            • Fushuan [he/him]@lemm.ee
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              1 year ago

              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.

              • WarmSoda@lemm.ee
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                1 year ago

                That’s pretty cool. So it’s basically Venmo, but government backed? Pretty handy.

    • Sanctus@lemmy.world
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      1 year ago

      India’s UPI. I am American, so I have only read about these systems online. I also could be wrong about the intended use case per country. China has one, too. Apparently the Bahamas also has one.