Depends on the country. Poland had intra-day free interbank transfer system called Elixir since 1994. Basically it pays to be backward with these things - you

Depends on the country. Poland had intra-day free interbank transfer system called Elixir since 1994. Basically it pays to be backward with these things - you skip many bad solutions and can learn from others. Our bank system was reconstructed almost from scratch in early 90s so it's quite modern now.