[kolinko]

That’s what wire transfers are for in EU. Same day/instant, either free or with a flat fee of $0.25-0.5.

In Poland if you’re going out with friends and someone paid for you bc you forgot a card, you just wire them money from your phone.

For my whole adult life (36 yo) I only used and saw an actual check once. Wire transfers since I can remember.

[iokanuon]

Since a few years ago, you were also able to use the BLIK system to transfer money instantly for free between most banks, by only knowing the recipient's phone number. To be fair I can't imagine anything more convenient.

[eythian]

In NL we have "Tikkie", where you just have to give them a link, whether it's by whatsapp, email, IRC, whatever. Sounds slightly more convenient as it's not based around a phone number (but can be if that's what you have :)