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I used it for peer-to-peer payments. Guess I'll join Venmo like everyone else now.
I had to look up what Venmo was. You guys have bank accounts for your bank accounts 😂😂😂
Are you not able to just pay someone from your bank account?
I can, but this generates a paper check which gets mailed to their address over the course of several business days, so it's not the most convenient. I guess I could ask them for a voided check so I can make an ACH transfer to their bank account using the account and routing numbers, but that's a lot of work and takes several days to clear.
You still use cheques in the US??? I see why you need this app now
Also, while we in Germany use PayPal rather than Venmo, the reason is, that a direct transfer takes much longer (2 business days), instead of immediate arrival of the money via PayPal and while there is the possibility of immediate bank transfers, most banks charge money for that (mine charges 50ct), while PayPal is free.
Haven’t used a paper cheque in my life though. It’s either digital or cash.
In the UK bank transfers are usually instant and free, although PayPal is still used in situations where you wouldn't want to give out your bank details
According to this thread, India and Canada are the only major countries to have figured out how to transfer money nearly instantly from bank account to bank account without actually revealing account details.
(Yes, this is just me depending on Murphy's law. I'll wait for you all to correct me and let me know all the countries that have reached this stage.)