[dmitriid]

Swish in Sweden [1]

Private transfers: instant transactions between individuals, no transaction fees. (Though I suspect internally they do the usual reconciliation between banks at the end of the day).

Business: instant transactions to your account from your customers. Yearly fee: 500 SEK ($61), price per transaction: 2 SEK ($0.24), price per reimbursed transaction: 2 SEK ($0.24)

There are also limits on how much money you can send in one go, but it's usually more than enough for individual transactions and for small businesses.

[1] https://www.getswish.se, https://medium.com/@etiennebr/swish-the-secret-swedish-finte...