[nomel]

> This works in the US just fine as well, although you probably need to go to a bank to do it.

Venmo and the like exist because that's not "fine". If you have the same bank, there's a good chance you can do it online, or with some crappy third party app. If you have different banks, there's a very slim chance they use the same crappy third party app, leaving you driving in person to initiate a digital transaction that usually takes between a few days to a week to clear.