ASeriesOfPoorChoices,

You… are not an adult, are you?

Mastercard and VISA are not banks and don’t offer bank accounts.

Bank accounts are free. Transfers to and between banks are free.

That 1% fee you’re talking about is a processing fee from the credit card companies, which are separate financial institutions acting as middlemen to the banks.

There is no need to use their services. You can just transfer bank to bank for free, with free bank accounts. No MasterCard or VISA involved at all.

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