In my bank app both my account number used for national transfers and IBAN used for international is shown under account details with a copy button.

Then again, we also have an app (Swish) similar to venmo allowing you to instantly for free send money to a phone number.

> * Wire transfers in the US are expensive for most checking accounts*

They’re free to and from Fidelity accounts. I’d guess the same for Schwab accounts.

Are you talking wire transfers or ACH payments? ACH is typically a much slower method of transferring money (1-5 business days) though it is generally free to do so. ACH also carries all of the risks associated with checks save the risk of losing a piece of paper before you can deposit it.

Wire transfers can happen almost immediately but typically cost $20-40 for one, or sometimes both, parties involved.

> Are you talking wire transfers or ACH payments?

Wire transfers [1]. (For most business accounts, wire transfers are also free.)

[1] https://www.fidelity.com/cash-management/bank-wires

Most banks allow you to transfer between accounts at the same bank for free, and faster than ACH transfers because they can settle it quickly when its internal.