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Especially now that instant and free bank transfer are mandatory in the EU

Free bank transfers are not mandatory in the EU. The bank just has to charge the same for a national transfer as an EU transfer: https://europa.eu/youreurope/citizens/consumers/financial-pr...

I think the free here related to payments within the country. I now understand and it sounds like X payments wouldn't be relevant to me.

Makes no sense in the Us either though with basically everyone having access to Zelle.

I have both a US and an Australian bank account.

Zelle sucks compared to what's considered table stakes overseas.