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Wait, you guys don't have bank transfers in the USA? I can send money from my own bank account with no fees to every other bank in my country
We do, but most people are afraid to use them. We have Zelle, which is free. I think the issue is that Zelle isn't protected. If you send the money to the wrong name/number there is no way to get that money back unless the recipient agrees to it. But there is no law or whatever to force that person to return the money if you are the one who made the mistake.
Many banks charge a fee for wire transfers, in some instances $20. Zelle is free, but not every bank uses it.
You gonna organize a bank transfer to pay your dinner check?
Yep, I scan a QR code that they give me and my bank, any bank in my country, will transfer the requested amount to the restaurant in one click on my phone. With two additional clicks I can send a QR code made by my bank to my friend who can transfer his part to me. Both transfers happen within a second.
On the way home, I pay for public transport by bank transfer by holding my card to the reader when getting on the bus, then off the bus. It's simple and secure.
Oh wow, how interesting...
I've definitely never seen that in the US
It's called Zelle. We have it, it just isn't as ubiquitous.
Or a debit card...
I only know Zelle as the scammer's app of choice.
How does Zelle make money?
They charge the vendor/bank for the service.
And sell your purchase history. (Exactly, it must be said, the same way Visa et al make money.)
According to my research, they do not.
That's the whole reason it was put forward in the first place.
Zelle charges the banks 50 to 75 cents per transaction. It's free for the end user, though that 50 to 75 cents is passed on to the end user anyhow. (probably by offering slightly lower interest rates, or whatever.)
Additionally, Zelle is getting in on data brokerage; like Visa.
That said, it should be noted that that fee isn't so much to make money as it was to maintain the service. Zelle's purpose was to break Venmo and Cash App. (which is why it's integrated into your banking apps.)
You don’t get out much or you live in BFE. Plenty of restaurants bring you a QR code on the check.
I’d much prefer to do that than to hand my card off to a stranger to do god-knows-what with for 5-10 minutes in the back room.
Live in a big city and I've never noticed.
Sure if they have it. Although some places have tap to pay now.
Yes the us has bank transfers. No you are not special