Similarish in the Netherlands, there's an app called Tikkie (some banks have their own app, but everyone still calls it tikkie), with that app you can make a li

Similarish in the Netherlands, there's an app called Tikkie (some banks have their own app, but everyone still calls it tikkie), with that app you can make a link "please pay me €20 for pizza" to share through any messenger, that opens an app or a website that takes you to your bank, you authenticate with that (often using the bank app on your phone so it's a quick process), approve the transaction, and in about 5 seconds the sender has a notification that you paid. It's so convenient and useful, and free, that people use it all the time even for tiny amounts - to the point where there are jokes about people asking for €0.50 "for mayo on your fries" In New Zealand it's more like you describe in the UK, you type in someone's bank account number into your banking app and send it. There's a bit more overhead (exchanging the number), but not a whole lot. Also free and pretty quick. No one is going to use something restricted to one messenger client that costs money to use, and presumably requires work to put money in/take it out, when these more convenient and free methods exist.