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> I assume writing a check and mailing it is a fairly typical thing everywhere It absolutely is not. The only time I've seen a check was a gift from my grandfa

by AnssiH 4y ago

> I assume writing a check and mailing it is a fairly typical thing everywhere It absolutely is not. The only time I've seen a check was a gift from my grandfather in the 00s, and I don't think paying bills by mailing checks was ever a thing here. Checks also often become very difficult and expensive to cash when going cross-border. E.g. most banks here (Finland) refuse to cash foreign checks altogether.

hunter2_ 4y ago
So if you wanted to give money to another individual (not a company which offers card payments) and you didn't want to use the internet, is cash the only option?
- dannyw 4y ago
  You call your bank, or go into a branch, and transfer it to their bank account.
  - usr1106 4y ago
    You fill-in in a bank transfer form and mail it to your bank (if you don't carry it in person to a branch office). The money gets transferred from the account of the receiver to the account of the recipient within a day. That's a standardized service every bank has to offer in the SEPA area and the price must be same regardless where the recipient's account is. No difference whether business or individual on either end. You need to know the recipient's account number (IBAN). Of course banks prefer that customers use the internet to initiate such transfer, but other methods exist (often at a higher price).
    - hunter2_ 4y ago
      Frankly, this sounds like a long-winded way of saying "you write a check," with a technical difference being that the transaction is a push from the sender rather than a pull from the recipient. If this form has an option for recurring on a (e.g.) monthly basis, then it's what Mullvad could suggest subscribers switch to, if both parties have a SEPA presence.
      - AnssiH 4y ago
        Yes, monthly SEPA payments (with a static amount and static reference/message) are a commonly used service at least in Finland, for e.g. paying rent between private individuals, and it works as-is with Mullvad wire transfers.

by AnssiH 4y ago

hunter2_ 4y ago

So if you wanted to give money to another individual (not a company which offers card payments) and you didn't want to use the internet, is cash the only option?

dannyw 4y ago
You call your bank, or go into a branch, and transfer it to their bank account.
- usr1106 4y ago
  You fill-in in a bank transfer form and mail it to your bank (if you don't carry it in person to a branch office). The money gets transferred from the account of the receiver to the account of the recipient within a day. That's a standardized service every bank has to offer in the SEPA area and the price must be same regardless where the recipient's account is. No difference whether business or individual on either end. You need to know the recipient's account number (IBAN). Of course banks prefer that customers use the internet to initiate such transfer, but other methods exist (often at a higher price).
  - hunter2_ 4y ago
    Frankly, this sounds like a long-winded way of saying "you write a check," with a technical difference being that the transaction is a push from the sender rather than a pull from the recipient. If this form has an option for recurring on a (e.g.) monthly basis, then it's what Mullvad could suggest subscribers switch to, if both parties have a SEPA presence.
    - AnssiH 4y ago
      Yes, monthly SEPA payments (with a static amount and static reference/message) are a commonly used service at least in Finland, for e.g. paying rent between private individuals, and it works as-is with Mullvad wire transfers.