[inglor_cz]

Interesting. Where?

In most of Europe, wire transfers are really easy to do, and where I live, most banks now support instant wire transfers (10 seconds) under some limit (in my case, 15 000 Eur). Doing them using QR codes and smart banking apps is really straightforward and user-friendly, so people do them routinely even for small sums.

[chii]

> support instant wire transfers

that's not the wire transfer i am referring to - it's the one where you'd use a SWIFT code to designate the bank.

[inglor_cz]

This is something that probably differs in EU and the US.

Between EU countries, you need SWIFT, but within a single country, you usually don't (I think the exception is Poland, where SWIFT is the default...?).