Obviously it varies between counties, but here in the UK I can transfer money between my three banks essentially instantly (normally less than 15 seconds), for

Obviously it varies between counties, but here in the UK I can transfer money between my three banks essentially instantly (normally less than 15 seconds), for free. And we were late to the game. The only time I pay to use an ATM is at ones in small corner ships. Bank ones are almost always free, and you can use any bank's machine. Planet Money did a good episode on why the US system is so bad compared to most other developed countries. Mostly seems to come down to the huge number of small bank's you have, it massively complicates any attempt to roll out a new tech platform.