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FWIW In the US something called Zelle launched a couple of years ago https://en.wikipedia.org/wiki/Zelle_(payment_service) https://en.wikipedia.org/wiki/Zelle_

• mcguire 8y ago
  Previously, it was free and easy to transfer money between accounts at the same institution (BoA, if it matters) (modulo the $1000/day limit). Post Zelle? I dunno. The last time I just wrote a check.
  • Broken_Hippo 8y ago
    That's not good enough, though. I shouldn't have to have the same bank as my spouse. NOt all banks offer both partners value, nor should either give up long-standing accounts for this. I don't mind a small fee, but it can't make think twice sending rent money or food money to the spouse or him doing the same to me. A direct transfer from online banking might take overnight or over the weekend, but there is an app that lets folks pay each other that is low-cost and speedy (or pay for a soda from a machine).