A lot. In Denmark, if you go out with 3 friends, one pays the bill at the restaurant and the others transfer their share to him (with one swipe on the phone to

A lot. In Denmark, if you go out with 3 friends, one pays the bill at the restaurant and the others transfer their share to him (with one swipe on the phone to the friends phone number or email address that you already have so no need to set up receivers). When you go to a birthday afterwards, one has bought the present and the others transfer their part to him. Danes send money to eachother daily.