Wire Transfers

Just one those simple things that get very complicated when you don’t need it to be. I have come to know that in reality the bank only needs an account number and a routing number or swift code of the bank to make a transfer, the rest is all gibberish. When you see all these movies and money transfers taking place, they happen with the click of a button, money is here then there. I don’t really understand why it takes three to five days for a wire transfer to go through, I’m not a finance guy I’m just annoyed that it isn’t instant, the money instantly disappears from your account but not showing up in the other is annoying. And if you say you want to pay the fees of the transfer for the receiver, they always charge them some fee which is a farce.