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Japan is living in the future that the 1990s dreamed of.
(startrek.website)
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this post was submitted on 28 Nov 2023
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You don't even have to go that far, Canada has interac e-transfers where you can send money by email. Directly accessible through the standard bank app/site. I haven't handled cash in years
Ew email does not sound like the place for cash transactions.
But yeah, most countries these days have instant bank transfers. The US is ancient when it comes to payments, "cashing your payslip" isn't a thing in much of the rest of the world.
In Australia you can send money via phone number or email (called payid) but it's not sent in an email or SMS, it's just that your number/email address is used as a unique identifier linked to your bank account. When someone pays you via either of those, the money gets directed into that account instantly.
And yes, being paid directly into your bank account is standard here and I would say really the only option for most jobs. I'm 35 and have never had a job that doesn't pay you direct to your account.
They likely mean their bank uses email as an identifier. So the bank asks you the registered email you'd like to send money to. Not that you're emailing cash or something like that.
Similar to zelle, a third party that fills the gap.
The email is like an id for your account. You can use your phone number. AFAIK if you link it email or phone number to your bank and someone sends you money to that email or phone number it doesn't actually text or email you. The money will be directly deposited into your account.
In Australia you can send money bank to bank for free, with practically instant transfers (though large amounts and first transfers from you to someone get a 24hr hold)
And you can use the person's phone number as the transaction target (instead of bank branch number and account number)
It's pretty nice, good for small business too, especially trades
Re: Australia: be aware that all normal bank to bank transfers are still min 1 working day transfer. Its FAST and Osko which bypass that with their own new network (up to $1000).
Not every bank is with Osko or FAST, and some are with one and not the other. Though I think FAST is fading away with Osko being dominant.
Re: phone number: or email address! It's great, especially if you have your own domain name. You can make different PayID email addresses for each account you have if you want.
Me and my mate have sent money to each other for kitty balancing on fishing trips, this year (about an hour ago) he sent me his share (high hundreds) and it was instant
We don't use phone number since we have had each other's bank details for ages
Osko/FAST: are fast BSB/Acct# transfers.
PayID: is an easy way to reference a BSB/Acct#.
Together, they are fast and easy, but they are not the same thing and are not required for one to be used to use the other.
Also, "high hundreds" is less than $1000 :-P