For another side, UK here.<p>Pretty much the same but:<p>1. Loads of free ATMs, the ones that charge are privately owned&#x2F;run typically and in shops. While banks may run them and slap their logo all over it, it&#x27;s effectively just advertising, it doesn&#x27;t matter which one I go to. The idea that it would matter seems really weird.<p>2. No fees for bank transfers, most will complete within the hour I think and are generally immediate.<p>3. Chip &amp; pin has been required for quite a while now, contactless cards are extremely common.<p>4. Pretty much everyone has some kind of bank account, I&#x27;m not sure how it works if you&#x27;re homeless or have absolutely no proof of identity&#x2F;address, but there might still be things that can be done there.<p>Most accounts are also free, though sometimes with usage requirements (deposit at least £X + have two direct debits is common), and many will pay you ~£100 to switch to them.