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It would be easier to transfer electronically if the systems existed.

I'd open the banking app or website, put in the other persons mobile phone number. Their name would be shown as confirmation. Enter the amount, press send. It's in their account in minutes, an hour at most.

If I transfer the same amount regularly, I'd click to make it a regular transfer.

If I don't know their phone number I'd use their account number. Either way, they're saved as a contact for next time.

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