From what I gather it depends a lot on the country, but in some countries, including Russia where I'm from, money transfers are done through your bank's app. You probably won't go to a branch to send someone $15 for pizzas they ordered at a party or something. Your only option would be to carry cash for such occasions.
> Your only option would be to carry cash for such occasions.
I'm in the US, but this is exactly what I do. I don't think I've ever actually used a banking app to send a small payment to someone for things like this, nor has anyone tried to use an app to send money to me. Cash is king.
(I fully understand that not everyone can or wants to handle payments this way. I'm just saying what works for me. I have no banking apps on my phone at all.)
From what I gather it depends a lot on the country, but in some countries, including Russia where I'm from, money transfers are done through your bank's app. You probably won't go to a branch to send someone $15 for pizzas they ordered at a party or something. Your only option would be to carry cash for such occasions.