this post was submitted on 09 Nov 2023
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Europe
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Sweden has Swish. Instant transfers, you can pay with it in some stores and you can request money from others. All you need is a phone number and a bank account.
poland has BLIK
I just wanted to add that you also need Bank-ID and that it works instantly regardless of what bank the receiver or sender uses.
It's also free for the user. The bank technically pays a small fee but I'm not a bank so I don't care.