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Japan is living in the future that the 1990s dreamed of.
(startrek.website)
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this post was submitted on 28 Nov 2023
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In Australia you can send money bank to bank for free, with practically instant transfers (though large amounts and first transfers from you to someone get a 24hr hold)
And you can use the person's phone number as the transaction target (instead of bank branch number and account number)
It's pretty nice, good for small business too, especially trades
Re: Australia: be aware that all normal bank to bank transfers are still min 1 working day transfer. Its FAST and Osko which bypass that with their own new network (up to $1000).
Not every bank is with Osko or FAST, and some are with one and not the other. Though I think FAST is fading away with Osko being dominant.
Re: phone number: or email address! It's great, especially if you have your own domain name. You can make different PayID email addresses for each account you have if you want.
Me and my mate have sent money to each other for kitty balancing on fishing trips, this year (about an hour ago) he sent me his share (high hundreds) and it was instant
We don't use phone number since we have had each other's bank details for ages
Osko/FAST: are fast BSB/Acct# transfers.
PayID: is an easy way to reference a BSB/Acct#.
Together, they are fast and easy, but they are not the same thing and are not required for one to be used to use the other.
Also, "high hundreds" is less than $1000 :-P