Russia: I've hardly used a cash since 2012. After 2022 I've fleed the country and It's painful to live when banks don't open an account. I'm not used to pay fees and commissions at every time when I need to transfer money or pay. It's so unusual for me because I used to tranfser money without any commission and fees and change money from one currency to the another online at MOEX exchange with only 0.05% fee. Now I pay at leat 1.5% when I convert to a local currency and above 2% when I need to transfer from one country to another with the fear to be frozen a transfer because of I'm originally from Russia.

I'm not trying to complain; I just want to say that I hate cash and love digital payments because I do not like to pay commissions and fees. I believe that in the EU banks also can offer such services but as I've read even EU citizens pay a big commissions and fees and not all banks offer an online banking.