Could you tell a bit more regarding international payments from where to where? From POV of EU citizen (though extra biased due to Poland just using IBAN numbe

Could you tell a bit more regarding international payments from where to where? From POV of EU citizen (though extra biased due to Poland just using IBAN numbers), international payments are pretty fast - personally the biggest issue is when I need to figure out IBAN/BIC codes because receiver doesn't know them. Payment for SWIFT transfer and currency exchange can be still annoying, which I mitigate by having currency accounts, but still not as big as it could be.