[dylanbathurst]

Like everyone else on this thread said, wire transfers cost money here in the US. I think what the EU considers a wire transfer is different than what we do here in the US. Wire transfers here require a bunch of information and are painful.

We do have something closer to what you're talking about though. Most large US banks offer the ability to transfer money to other members of the same bank with simply an account number. Such as Bank of America to Bank of America, or Wells Fargo to Wells Fargo. There are fees associated with going Wells Fargo to Bank of America though which is a turn-off.

The other problem with these kinds of transfers is that there is no API for integrating that technology into a 3rd party service. I would have to go onto Wells Fargo's site to transfer money to another Wells Fargo customer. If those banks had any sense at all they would innovate and release APIs to enable that kind of transaction.