[aidenn0]

Wire transfers exist, but have a high fixed-transfer cost ($20 is not unusual).

The larger banks have their own systems that only work within the bank; some smaller banks offer systems that work with any bank that offers the same system.

ACH exists, and I've used it to move money between accounts I own, but there is some friction to set up. I don't know anyone who uses it for C2C payments.

[mattsan]

Damn. We only have to pay fees to the EU after brexit (and I assume internationally too. edit: I've never transferred internationally).