A. M. 
The service’s constant availability is the main reason salvadorans use Transfer365. Data from the Banco Central de Reserva (BCR), obtained from the Encuesta Nacional de Inclusión y Educación Financiera 2025, reveals that 71.8% of users choose this platform because it is available 24 hours a day, seven days a week, surpassing other key factors such as cost and transaction speed.
The study shows that the service’s free access ranks second among the reasons for preference. 66.3% of users value the fact that Transfer365 is free, which facilitates its adoption and frequent use, especially among people who regularly make transfers. Adding to this is the ability to make immediate payments, highlighted by 59.9% of respondents, which reinforces the perception of the system’s efficiency and speed.
Another important aspect is the continuity of service during non-working days. 46.8% of users cite Transfer365’s availability on holidays, days off, and vacation periods as an advantage, eliminating one of the main limitations of the traditional banking system and expanding options for timely money management.
Beyond the reasons, the BCR survey reveals widespread penetration of the interbank transfer system. Although only 18.7% of the population has made transfers between accounts at different banks, among those who do, Transfer365 has established itself as the preferred method. 93% of users identify it as their favorite service, with a strong presence in both urban and rural areas and high adoption across almost all age groups.
In terms of generations, Transfer365 usage is highest among people aged 18 to 60, with adoption rates exceeding 90% in these groups, while among the population aged 61 and over, usage reaches 72.6%, reflecting a significant advance in digital tools even among older adults.
Overall, the results of the Encuesta Nacional de Inclusión y Educación Financiera 2025 confirm that 24/7 availability is the most decisive factor for Transfer365 usage, but they also demonstrate that its free access, immediacy, and uninterrupted operation are part of an ecosystem of advantages that explain its growing acceptance and its key role in modernizing the salvadoran financial system.
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