I moved from Brazil to Germany last year and if you consider this instant I have bad news to share. At least with Commerzbank it's slow as molasses. In Brazil

I moved from Brazil to Germany last year and if you consider this instant I have bad news to share. At least with Commerzbank it's slow as molasses. In Brazil for same bank transfers I'd get an SMS in my phone at the same time as the sender got the confirmation that the transfer went through on their phone. Transfers between banks would typically clear in 2 hours or less. With cash withdrawals I got an SMS in my phone before the ATM was finished counting the notes. Here in Germany I have to reverse engineer what the entries on my transaction history were from vague hints in the business name, because they take days to show up in my account. Cash withdrawals from an ATM run by my own bank sometimes take 5 days to show up in my transaction history. I regularly do SEPA transfers to Portugal and it arrives at the end of the next business day, at the earliest. SEPA transfers in Germany sometimes clear same day, after several hours, but usually some point in the next day.