> NP> or if you prefer, a bank, branch and account number and name to deposit
 > the
 > NP> money to. (probably the least hassle)

 > Can you elaborate on this?  How is it less hassle for you to
 > directly debit an account at another bank?

I just go to my bank and tell them to transfer $xxx to  1234 account at xyz
branch.  The money is usually in to the  other persons account by 8am the
next morning.

 >I wasn't even aware
 > it was possible for end-users,

I've done heaps of times.  It is simply a transfer.  It costs an extra 2
dollars or something.   Did it recently for my daughter in Brisbane, when
they were a bit short.  When she returns the money, she does it the same
way, and it appears in my account.
My wife also gets me to deposit into her accountin Brisbane, any cheques
for her that turn up down here

 > except by setting up a regular  payment.

You only do a direct debit for regular payments to someome.
Like insurance or Housing loan or something.


 > I would have used a bank cheque to do that sort of
 > thing myself.

Then you've got to post the bank cheque, and Australia Post has been known
to take a day or a week from here to Sydney.  I dont completely trust them
for efficient delivery.


 > I use a bank cheque because I don't have a cheque
 > account because it's cheaper to pay $3 to Citibank for a bank
 > cheque rather than pay BAD all the time (for my other, normal,
 > non-cheque transactions)!  Amazing but true!  BFN.  Paul.

By me depositing to your account, you have the money sooner and it is
cheaper than a Bank cheque.  It's just a transfer of numbers between the
two banks sometime during the night, when their computers talk to one
another.
I think Wespacs time is 3am to 4am. I used to know all the times for each bank.

Kind regards
Niels Petersen

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