Unlike here in the EU, those costs are capped by the government (sending money through a card) and are nearly free (if not actually free). In the US, only slow

Unlike here in the EU, those costs are capped by the government (sending money through a card) and are nearly free (if not actually free). In the US, only slow (~1-2 day bank transfers) are free, and sending money via a card actually costs quite a bit of money (2-5% of the amount). Also, unlike the EU, if someone has your routing number + account number, they can literally just take money out of your account without your consent (with only a 1-2 days in which you can 'stop payment' on it -- once it is complete, you can never get the money back). At least with my EU bank (Bunq), if someone were to do that, I'd have 5 days to decide whether to approve or deny the transaction.