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My bank does this for free, and I can also withdraw the money from any of their ATMs as cash instantly if I want.

Your bank lets you send payments via SMS? What's your bank? Mine doesn't do that, I'd be interested in switching.

http://www.garantibank.com/index.html Best online banking I've seen so far too, I think they've won awards for it.

Home page has annoying animation. Guess there's still room for improvement.