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In the 1970s, seven international banks formed a co-operative transfer system called Society for Worldwide Interbank Financial Telecommunication or, conveniently, SWIFT for short . The goal was to standardize the transfer process between countries, offering customers a guarantee that funds would be sent securely. It works by assigning each institution a different code, directing the funds to the correct place. Here's a quick summary: While the internet age has led to people preferring transfers via apps and digital wallets, there is still a large customer base for bank transfers . Whether increased online options mean it will eventually become obsolete remains to be seen, but it remains the payment of choice for millions of people around the world. Over the years, bank transfers have been subject to certain regulations, often for security purposes and, sometimes, to cut down on unscrupulous bank charges. It means the method is one of the safest ways of sending money , and many banks guarantee the completed transaction. If human error means the wrong details are entered, then the money either doesn't leave the sender's account, or it's returned if it has already been taken out when the error was detected. However, despite its high security and accessibility, paying by bank transfer does have its pitfalls. As mentioned, more modern payment methods have shown just how quick paying online can be , often facilitating instant payments.
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