Bank transfers, or wire transfers, are a secure way of sending money between two bank accounts , either in person or online. Virtually every bank in the world offers a transfer as a core service, with the fees earned from them being a significant source of income. 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. 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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