Doesn't happen in the UK anymore, since 2008 most UK banks have been part of the "Faster Payments Service" which means interbank transfers generally happen with

Doesn't happen in the UK anymore, since 2008 most UK banks have been part of the "Faster Payments Service" which means interbank transfers generally happen within 2 hours. At the time it happened banks considered charging for the new faster service as it meant they would lose out on the interest they would otherwise earn from the slower transfer. So I'm guessing that's the same reason US banks are reluctant for faster transfers.