this post was submitted on 14 Jan 2026
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Bank transfer is barely available as a payment method in Europe and it's slow as fuck. That's not an alternative.
Dafuq you talking about? I live in Spain and use it all the time. Usually takes about 1 minute.
Same in colombia. Even fruit vendors on the street accept bank transfers. Takes a minute or two to transfer.
WTF are you talking about, they can take up to 24 hours on weekdays, longer on weekend/holidays.
I've literally bought stuff on a Sunday afternoon in Spain, when the whole country is having a collective shutdown and no businesses are open, with zero problems. (Edit: last time was between different banks, too)
We're talking big things, like cars and motorbikes, because for normal stuff we just use Bizum, which is also really quick.
I literally just went to my bank and setup a bank transfer for Saturday, 17.01.
ok, which bank are you with?
UBS but that doesn't really matter. I also have/had accounts with Deutsch Bank, Sparkasse, Volksbank and Postbank and it's the same everywhere.
Si, you're saying that Germany needs to learn about efficiency from the Spanish
Haha, good one.
I'm pretty sure you're just confusing "SEPA Instant Credit Transfer" with "Standard SEPA transfer".
https://www.bancosantander.es/en/sepa
Yes, Instant Credit Transfer is instant, but haven't seen a single vendor that accepted it, yet.
Nah, for bank transfer you have to have the full bank account number and account holder name, SEPA for us is done under a system called Bizum but is limited to 500€. The bank transfers are up to 50K or so (more than that and it does take longer for a fraud check) and are absolute
Right ... another 3rd party local payment provider. Yeah, we have TWINT as well, works well inside Switzerland but useless internationally. So the CC still reigns supreme.
Oh no, an entire day? That's horrible. /s
What do you do that always NEEDS instant transfer?
Pretty useful when ordering food, for example ...
And you do that so much that you actively complain about the slow banking process? I can't remember ever needing any money to be transferred right this instant, other than the rare delivery pizza treat. Sounds like you're pretty well off if that's such a common occurrence.
Yeah.
Also digital purchases, I don't want to wait a day for a download. Hell, even with regular orders, I don't want to have to deal with having to plan my order in advance around the weekend just so my stuff arrives on the next available shipping date.
So yeah, unless it's instant it's not really an alternative, it's a downgrade.
Convenience, then. Alright.
Sure, that is really the main argument for using a CC in the first place.