iDebit and Instadebit: eight taps, and eleven of thirteen interrupt

The worst flow we count

Eight taps and a friction screen in almost every app. Part of that is the rail itself, which needs a bank selection step the others do not, and part of it is that these apps have decided this is a good place to run an offer.

If you are on a phone at the end of a night, eight taps and an upsell is a lot of surface area for changing your mind.

What you get for it

Your bank statement says iDebit or Instadebit, not the casino. If you share an account or have a mortgage application coming, that is a real feature and this is the cleanest way to get it.

Instadebit also pays a small cashback on deposits. iDebit does not. That is the only difference you will ever notice between them.

Two days, always

Deposits are instant. Nothing on this rail returns faster than about two days at any of the thirteen apps, because the money settles twice on two schedules.

Interac is a day quicker, two taps shorter and in four times as many apps. The privacy layer is the only reason to take the trade.

Other ways to move money