I’m trying to figure out how to send $6000 from my Chase bank account to my wife’s Chase account for our income tax payment and the answer is to either:
- Write a free paper check
- Send $2000 for 3 days through Zelle
- Pay $25 for a wire transfer
America 
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Still bummed Biden isn’t fixing the payment system as part of his infrastructure billhttps://twitter.com/thijsniks/status/1382002683779772419 …
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At the end of the day, this is a lack of regulation problemhttps://twitter.com/thijsniks/status/1386176000464064514 …
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A desire to gain independence from Visa and MasterCard fuels momentum around the world to improve the banking system, while the US obviously does not feel the same urgencypic.twitter.com/si8GhL19Gp
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“But, Thijs, do Americans really still use checks?” Yes, 14 billion per year to be precise. To transfer $26 trillion. https://www.federalreserve.gov/paymentsystems/2019-December-The-Federal-Reserve-Payments-Study.htm … https://www.federalreserve.gov/paymentsystems/fr-payments-study.htm …pic.twitter.com/L58x0bVaRo
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“Why would you want to send money to another bank account??” - Zelle - PayPal - Venmo - Cash app - Apple Cash - Google Pay - Facebook Pay
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In SEPA zone (inside IBAN scheme), for most utility payment, you just give your IBAN and the monthly invoice is automatically debited from your account, for free. Some providers give a rebate for that.https://en.wikipedia.org/wiki/Direct_debit#Europe …
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And there is a ton of fraud on this. Most I've seen, when I worked in a bank, was fraudsters entering random IBAN for Amazon Prime subscription, or for a Paris' monthly transportation pass.
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