Wiring isn’t that bad, you need to fill in some fields about the recipient account details and receiving bank. The annoying bit is that banks have inconsistent web portals with mediocre UX. So sometimes it can be frustrating to figure out how to enter the information.

I’ll admit that the crypto UX is faster with just entering a destination wallet address. It would be good if banks could adopt QR codes to provide similar experienfe.

Sometimes you get charged a fee, but many institutions will waive that (e.g. Schwab) if your balance is high enough.