this post was submitted on 02 Sep 2025
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Mfw the rest of the world just has bank transfers
nearly every bank in the US uses Zelle which lets you send money to another persons account with no fees, just using their phone number. for some reason people just prefer to use stupid shit like venmo.
But it's a fucking 3rd party app that skims. Nothing in the USA is just straight forward. There's always someone making a buck off of your service.
Saunt Neal Stephenson predicted this and so it has come to pass.
most banks have zelle built into their own app. yeah zelle charges the bank a fee when you use it, but typically you aren't paying any, unless you use a really shitty bank.
That is like the "25$ + 5$ shipping or 30$ no shipping?" meme. You are paying for it, they just don't show it to you.
What are you talking about?
I send someone $25 on zelle, $25 is deducted from my account, and that person receives $25.
How am I paying a fee in that scenario?
Yes I know how banks work so please don't explain how they make money using my money.
The bank is "paying" the fee, but the fact that they are doing it and don't charge it back to you proves that it is well within their margin from whatever money they get out of you (account fees etc). You are paying it.
Lmao, immediately explains how banks work. Also I pay no account fees btw.
Keep everything under your mattress eh?