this post was submitted on 02 Sep 2025
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Right, I'd just get their account number and sort code, and can transfer securely for free, normally immediately or at least within 2 hours if their bank also uses SWIFT, which they all do.
If I understand correctly your account number is kinda of a big deal and a security risk to share it. But I may be wrong, nothing in US banking is straightforward or makes sense.
If someone has your account and routing number they can pull money out of your account. This is literally how autopay works for your internet or credit card or whatever.
Granted doing so without authorization is fraud and the account you pull into is going to be investigated, but that's all you really need. Two numbers.
That is what I thought, so not something you wanna do to send money to random people.
If you hand someone a check, it has those numbers on it.
Security and PII is a joke in the US. Public info started getting used as if it were private.
What year is it?!