Since a few years ago, you were also able to use the BLIK system to transfer money instantly for free between most banks, by only knowing the recipient's phone number. To be fair I can't imagine anything more convenient.
In NL we have "Tikkie", where you just have to give them a link, whether it's by whatsapp, email, IRC, whatever. Sounds slightly more convenient as it's not based around a phone number (but can be if that's what you have :)
