That sounds ridiculous. The most annoying part here in Poland is to get charged by your bank by not making enough transactions or not reaching the required spe

That sounds ridiculous. The most annoying part here in Poland is to get charged by your bank by not making enough transactions or not reaching the required specified amount of money or making ATM withdraw below the set threshold. If you managed to do so, you avoided paying monthly fees; that's the only things debit accounts owners should bother themselves about. We can send money between different banks w/o issues and operations are booked IIRC twice in a day; these are instant if it's between same bank accounts, or you can pay an extra if you want money being delivered instantly and recipient belongs to a different bank. We can also send money on registered phone number via apps and the recipient can pick it up via ATM (kind of check that is slowly being adapted around; it replaced previously shortly running system as it was prone to scams); each bank participates in local cash-less payments system called Blik. Of course Apple and Google systems works as well but Blik is more popular anyway. Most of the time operations are being processed instantly online but there are rare situations where these are being queued offline up until terminal (speaking about stores) gets online. Btw, are you still required to confirm operations via handwritten signature?