In Poland (EU) we have BLIK system which allows for up to $1000 instant transfer for a phone number. Free of additional charge. We pay with cards with paypass

In Poland (EU) we have BLIK system which allows for up to $1000 instant transfer for a phone number. Free of additional charge. We pay with cards with paypass wirelessly without PIN for small amounts. This is faster than cash. I recently stopped carrying coins and avoid paying cash. And bank transfers are free in most banks. It takes half a day at most to reach destination bank.