I'm going to write a few words I always do this in the bank topics. In Poland (post-soviet EU member, 36M people) we have many banks. Inter-bank transfers are free for personal accounts. $0.50 for businesses in my case. We have free transfer for phone number of up to $1000. Instant. We use mostly debit cards tied to accounts without any fee with wireless payments. Our goverment reduced transaction fees so you can pay as low as $.10 bill without complain. Of course this moves us closer to cash-less full-control mode but who cares ;)