> If you're based in Europe: Would you use Western Union over SEPA ? At least in France, people actually use apps like Venmo for person to person transfers (or

> If you're based in Europe: Would you use Western Union over SEPA ? At least in France, people actually use apps like Venmo for person to person transfers (or cash, or cheques, but they're on their way out). We mostly use SEPA for either automatic bill payment authorization, or big transfers. No one will start a bank transfer and ask for their friends IBAN to pay back two beers.