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SWIFT doesn't mean much. Bank transactions can be done by other means, which happened recently. It's speed and convenience, but not qualitative difference.

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International transfer happen all with swift. Europe has its system (IBAN) but still swift is what is used internationally

I think you mean SEPA (Single Euro Payments Area) not IBAN (IBAN is an account number - International Bank Account Number, also used in SWIFT transfers)

Ya sorry. IBAN is what is used for SEPA payments. You don't have the same with swift since system and code are named (again) swift.

I never used IBAN outside of Europe (actually Dubai if I'm not wrong used that too) so I'm not sure how international that is

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