I don't. The other person needs to have these things, as does the intermediary. Bet you removing $10 & handing it over from my pocket beats all these in a time

I don't. The other person needs to have these things, as does the intermediary. Bet you removing $10 & handing it over from my pocket beats all these in a time test. While its cool to use those, not always. UK banks are nice in the sense you can transfer instantly/free but its more of a hassle entering the account number in (which isn't really that hard, but handing over cash is much easier).