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Exactly - so I wouldn't expect N26 to have a particularly large customer base there (could be completely wrong though) if what they are offering isn't particulalry innovative by their standards.

All this seems really very biased.

I think Germany has instant transfers for a fee but I am not sure. There was never a need for it.

Czech has instant transfers already? Great. The CZ Bank I know charges 6 Euro per incomming EU Euro transaction.

I don't know if this is a recent thing, but my CZ bank charges nothing on incoming/outgoing SEPA payments (mbank). Regarding instant transfers, already supported by many banks in CZ (not mbank though, so can't tell if there is a fee), see https://www.mesec.cz/aktuality/okamzite-platby-umi-prijimat-...

Ehm, in czech republic the bank transfers are still not instantaneous...