That would be nice but it is impossible because to actually commit some money I have to go through 2FA involving the bank app on my phone and enter one or two other secrets on the bank website. This is Italy and probably most of EU since the last year.

I understand this is for the safety of my money, probably also for the safety of the bank itself (if something goes wrong it's more and more my fault) but sending money to someone is becoming a PITA.