Just put “swangas”, “elbow rims” or “wire wheels” into your favorite search engine. It’s a thing.

I have this with a Spanish bank and their app; every time I get refunded, whether it’s an internet purchase or to my card, I get a notification instantly. Same with charges or transfers, nothing ever happens without me knowing instantly. Really nice.

Elbow rims aka swangas

Could depend on where.

It’s usually 10 or later where I’m at though.