It takes three days to move money betwren banks. What is this monkeyfuck business?

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Longer, sometimes over a week, if it's international to a non-partner bank.

ITS FOR YOUR PROTECTION. STOP ASKING QUESTIONS

In Europe, most transactions are instant nowadays. They literally take less than 15 seconds to show up in the destination account.

In the US, the fastest you can move money is wire and that seems to only happen once a day at most banks. They charge you 20 to send, and now they're charging 10 to receive.