In the US, I have been sending money electronically for free, and instantly, to my friends and family for almost 15 years.
Zelle, previously known as clearXchange, and whatever else, but if you had an account at one of the bigger bank, it has long been trivial to send money to each other.
> In April 2011, the clearXchange service was launched. It was originally owned and operated by Bank of America, JPMorgan Chase, and Wells Fargo.[6][7] The service offered person-to-person (P2P), business-to-consumer (B2C), and government-to-consumer (G2C) payments.[8]
