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Brazilian living in NL, experienced in both. I think biggest difference is Tikkie doesn't give you an easy identifier. Great for privacy, but being able to send
by iurisilvio 5mo ago
Brazilian living in NL, experienced in both. I think biggest difference is Tikkie doesn't give you an easy identifier. Great for privacy, but being able to send money to your email/phone number makes a difference for some real time use cases. QR code helps, but it is not the same.
- usrnm 5mo agoIBAN works pretty ok as an identifier when you need that. Bank transfers between Dutch banks are almost instant anyway
- kristjank 5mo agoIt is instant provided your financial institution works within the SEPA Instant transfer system
- Sukram21 5mo agoSince last year, all EU banks have to support SEPA Instant Transfer, both receiving & sending, at the same price as a usual transfer (Instant Payments Regulation 2024/886)
- ptman 5mo agoIf only https://en.wikipedia.org/wiki/EPC_QR_code https://en.wikipedia.org/wiki/EPC_QR_code supported a sepa instant bit so that one could just show a qr code, scan it with whatever payer banking app and authorize the sepa instant payment.
- Freak_NL 5mo agoThis is what Ideal/Wero does. Because this is the standard for webshops in the Netherlands (and rapidly expanding to the whole EU) the only gap left to fill was that of consumer-to-consumer transfers with just a QR code to scan. Tikkie I mentioned above solves that well enough in the Netherlands, although that bank-run app is horribly laden with stupid ads and deals you can't seem to turn off.