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3 points

Venmo usually, but many banks have built in cash payment apps too.

I’m 35 and never had a PayPal account and have never felt the need for one

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6 points

Obviously you can do a SEPA transfer as well, but it’s not instant and you have to type a long number and don’t have a consistently good user experience. Bank apps lack good UX. Stuff like “send this friend 5 bucks again, this is his profile picture” and are a pain to log into.

I don’t say I like paypal or banks, i actually dont like either. But paypal is just more convenient.

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5 points

Venmo is, afaik, owned by PayPal, although they do a good job to not let on that it’s a PayPal service.

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