Europe has SEPA which is still not instant but a lot better than it used to be. Now the money appears in your account (for banks that support it) immediately an

Europe has SEPA which is still not instant but a lot better than it used to be. Now the money appears in your account (for banks that support it) immediately and the official transaction date is the next working day. So the speed is technically 1 business day, which is a lot better than it used to be, and 0 business days for a lot of practical purposes.