[zwass]

I moved to Canada from the US recently and was shocked at how poorly Interac e-transfers work and that there is no Venmo/Cash equivalent. The system seems to assume a 1:1 mapping from phone numbers or emails to bank accounts. Having multiple bank accounts means disabling and reconfiguring the autodeposit features constantly. I've also gotten used to friends not receiving transfers I send them, which was never a thing with Venmo/Cash -- you just check the history in the app.

ATMs are also mind-boggling after getting used to banks that will refund ATM fees in the US. In Canada it's back to the fee to use ATM + fee from the bank for using an ATM that I remember from 20 years ago in the US.