Linking your bank to your e-wallet: what to know

The change did not happen overnight. It built slowly, one conversation and one decision at a time, until it was simply how things were done.

Turn on transaction alerts. A notification for every movement of money is the fastest way to catch a problem.

What changed

There are still open questions, and we will update this story as we learn more.

Prices, habits and expectations have shifted a lot in the past few years, and this is one of the places where you can feel it most.

Fees are often small enough to ignore, which is exactly why they add up. Check the fee screen before every transfer, not just the first one.

Common mistakes

Fees are often small enough to ignore, which is exactly why they add up. Check the fee screen before every transfer, not just the first one.

Experts we spoke to were careful to say that conditions vary by region, by income and by season, so treat these as starting points.

Fees are often small enough to ignore, which is exactly why they add up. Check the fee screen before every transfer, not just the first one.

The bottom line

Behind the headline is a lot of quiet, repetitive work by people who rarely get credit for it.

Keep your PIN and one-time codes to yourself. Support staff never need them, and nobody legitimate will ask.

We spoke with people on every side of the issue: the ones who started it, the ones affected by it and a few who are still not convinced.