Instant IBAN to IBAN in Switzerland doesn't inherently cost money, the cost is just a cash grab by the banks. BEKB offers a free account with free instant tran

Instant IBAN to IBAN in Switzerland doesn't inherently cost money, the cost is just a cash grab by the banks. BEKB offers a free account with free instant transfers. Hypothekarbank Lenzburg offers free instant transfers on their standard paid account. Outside of Switzerland, instant SEPA transfers are typically free.