[vsl]

> If you're trying to send from America, it's still the normal way to send a payment to Europe

It’s not; SWIFT is, and that requires additional information not shown there (although some of it is encoded in the IBAN if you know how to decode it).

[RandomThoughts3]

SWIFT is not a payment system. It’s only a messaging system. It’s generally used to send initiating orders between financial institutions but they then have to be cleared or directly settled through something else.

[immibis]

IBAN isn't a payment system either, but I'm talking about the end user experience: insert account number, insert amount, click send. Sometimes you also need the SWIFT code which specifies the receiving bank.