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Mastercard/Visa’s control
(lemmy.world)
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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.
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 literally just went to my bank and setup a bank transfer for Saturday, 17.01.
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.
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.
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.