May 5, 2015 · 1 minute

"Uber for money" sounds like Travis Kalanick's wet dream. Just imagine a black car filled with hundred-dollar bills... it's the logical conclusion to the company's focus on the 1 percent.

It's also something a bank in Poland has invented. Idea Bank plans to use a fleet of BMWs that accept deposits from business accountholders so they don't have to transport all their cash themselves. Business owners simply ask for a car to be at a specific location at a specific time using a mobile app. Once there, the car can accept deposits, so business owners won't have to transport all their cash themselves.

Idea Bank hasn't revealed how the cars are secured. That's worrisome, given that it's using BMW i3s -- small, electric cars that weren't exactly built with tight security in mind -- to shuffle untold amounts of cash around a city. One would assume extra measures have been taken, but it's not clear what they are.

That aside, however, this is a brilliant idea. The few times I've had to withdraw large amounts of money from an ATM, whether it was to pay a bill or make a large purchase, I was paranoid about someone noticing and mugging me. The same fear was present when I had to deposit similarly large amounts of cash.

Assuming the car is secure, I'd feel much more comfortable with someone else transporting the money, simply because I'm absolved of all responsibility in the matter. My pockets wouldn't be full of cash just waiting to be stolen, and the bank would have to assume responsibility for the money while it's in transit.

Does it seem like a perfect example of technological excess? Absolutely. Most people probably don't have to deposit a whole lot of money particularly often, nor are they withdrawing enough to worry about transporting it themselves. (There are no fees associated with the service, so cost won't be an issue here.)

But that doesn't make it a bad idea. So long as Idea Bank can make its itty-bitty cars more secure than they seem, and the service remains free for people to use, it isn't hard to imagine people using this service instead of walking around with a lot of cash. The idea is solid; it's the execution Idea Bank should worry about.

[illustration by Brad Jonas]