> A normal wire transfer takes days even in europe. That is somewhat true. Usually, a regular bank transfer does not take longer than 1-3 working days, mostly

> A normal wire transfer takes days even in europe. That is somewhat true. Usually, a regular bank transfer does not take longer than 1-3 working days, mostly dependent on the institutions involved. Some banks take what feels like ages, some are done within 12 hours. But I have never experienced a transfer taking more than 36 hours, even internationally. > The immidiate wire transfer exists only for a few years and costs money for initiating one for some banks. SEPA Instant Payments we're a bit slow to roll out but are now catching up. They're now fairly widespread in terms of availability and cheap as well (the banks I have accounts at charge 50ct for an Instant Payment). Apparently there is also legislation in the works which would make instant payments the default by making them mandatory to support and capping their prices to the prices of non-instant SEPA payments [1] [1]: https://www.consilium.europa.eu/en/press/press-releases/2023/11/07/instant-payments-council-and-parliament-reach-provisional-agreement/ https://www.consilium.europa.eu/en/press/press-releases/2023...