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In the UK (and I believe all of Europe), the system is indeed based on bank account numbers and sort codes, but popular banking apps like Monzo will do WhatsApp
by nicoburns 5y ago
In the UK (and I believe all of Europe), the system is indeed based on bank account numbers and sort codes, but popular banking apps like Monzo will do WhatsApp-style contact lists, where banking details of your phone contacts are synced and you can just pick them from the list (note: account number are not considered secret sensitive information). Banking apps will usually save someone’s details for future usage.