Sadly the only way to transfer money instantly is to physically deposit CASH from one bank to another.This is the only way I can send my daughter money instantly without handing her the money.
Frankly online banking is useless to anyone but the banks.The only reason I use it is to check my account level because checking at the ATM is a waste of time as the mini statement is always seems to be inaccurate.
I so hate banks.They have convinced every institution to insist on paying wages through them and one just can't do any finances without them being involved in some way.This means that they have a virtual monopoly and I swear that they are operating a cartel.Just about every bank charges for use of ATM's now.
Dammit I used to be able to go into my bank on a Saturday but they found that an inconveniance to them(wasn't to me though).When I see how many queue up in the building societies on a Saturday I wonder how they arrived at that decision.