> The delay also means systems have more time to catch fraudulent transactions, and to block them before they happen. Which is complete nonsense as the transac

> The delay also means systems have more time to catch fraudulent transactions, and to block them before they happen. Which is complete nonsense as the transaction is actually forward-payed, and guaranteed by the central European bank, exactly for that reason. So, in fact, the only reason why certain banks delay payments is so that they can keep the funds "in transit" to earn interests. Plenty of banks don't play that game, so if your bank does, they are taking the piss and it's time to change.