Comment by sznio
3 years ago
Poland has BLIK, which links your bank account number to your phone number. Then, just send a transfer to the phone number instead of punching in the 26 digits of the account number. And if you don't want to share your phone number, you can use a temporary six digit code instead.
Mostly the worst system you can imagine from power user perspective: * banks won't let you use it without a bank app (there is one exception that will let you use only some only outgoing transfers through the web page) although it is technically not required * giving out your IBAN is not a problem but I don't want to give everyone my phone number, and the temporary code is temporary * don't ask what happens if you have multiple accounts and multiple phone numbers.
> 26 digits of the account number
That seems rather excessive. Why on earth are Polish bank accounts so long?
The IBAN 26 digit system is multinational/global.
Only the Country Code and Check Digits are standardised by IBAN. The rest of it is country specific.