"We can't make this transfers today, as it is after 3 PM." *sigh* Ran into a Japanese bank refusing to do an internal SQL query after hours.
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If this sounds like "I wonder how this country has survived" a) I don't disagree but b) try explaining checks to a Japanese person sometime.
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Or any other person that is not from the US ;p
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In Finland bank transfers have a (checksummed) reference number field. Seems to work quite well since everyone knows to fill it.
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And bank transfers are free for consumers, even between banks. Usually instant within the same bank, 1-2 working days between banks
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