I live in Europe and a wire transfer from/to Greece/UK/Germany takes at least two working days for small amounts, sometimes up to a week. All my friends have si

I live in Europe and a wire transfer from/to Greece/UK/Germany takes at least two working days for small amounts, sometimes up to a week. All my friends have similar experiences. Only transferring money between two bank accounts of the same bank is indeed instant. Fees are not negligible at all: Sending 200 pounds from the UK to US costs an average of 20 pounds or 10% according to https://transferwise.com/transfer-money-to-the-usa https://transferwise.com/transfer-money-to-the-usa.