I found South Africa to have a far easier banking system. When I first moved to the UK, I found their banking system very antiquated compared to what I was used to.

That was some time ago, so things are likely better in the UK since then. Hard to tell as I am part of the system and haven't got anything to compare it to now.

Norway's is also pretty easy. You log on, enter the person's account number (unless you already have it saved), and give the amount you want to send along with the date you want it to happen.