> We must have different EU countries Seems like it. France and Austria, in my case. If I pass a transfer in my French online banking system in the afternoon,

> We must have different EU countries Seems like it. France and Austria, in my case. If I pass a transfer in my French online banking system in the afternoon, my bank even tells me outright that it won't be processed until 8 o'clock the next morning (until which time I can undo it). It's then deducted from my account at that time, and the day after that the receiver sees the payment in their online banking as "you will be getting this money, but you don't have it yet, it's being processed". > EU is aiming for these systems to be available Well... it's "encouraging" providers to do it. Not holding my breath ;-)