Meanwhile, in the Eurozone, electronic cash and wire transfers have had fees of exactly €0.00 for many years, and my online-only bank does “instant” transfers (

Meanwhile, in the Eurozone, electronic cash and wire transfers have had fees of exactly €0.00 for many years, and my online-only bank does “instant” transfers (takes a few seconds but that’s mostly the app latency) up to €2000 for the same price. The transaction-cost problem has many possible solutions.