Yes US is very different in that aspect. I live in the Netherlands. Most people here have an app from their bank, with which you basically can do all your banking with. For payments between people, you can simply create a payment request in your banking app, and send a link to it via text, whatsapp, whatever. When clicking the link it will open the receivers own banking app with which the transfer can be me. Just the bank accounts, and amounts are already preset. It’s very easy to use, works with every bank, and everybody just uses the app from their own bank with all it’s safety measures.

Personally I hardly ever use cash anymore. Just tapping your phone to pay is so much more convenient. Also keeping track of where you spend your money is easier.

Out here we used to have atm machines everywhere. Their number has declined greatly though. They are still around, you will usually have to check a map if you’re in place where you don’t know their locations. Cash usage has definitely declined a lot these last year.

That being said, I think getting rid of cash completely is a bad idea. Cash certainly has it’s usage / advantages.

It also seems to differ from country to country by the way. For example Germany, still uses cash a lot more than we do here.