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Well that's due to the bank being liable for people falling for scams, sadly as long as the banks have to pay for people's mistakes they will have to do this no matter the payment method.

Sending money with my bank takes less than a second to most other banks. Face ID is used to secure it.

Instant seems a good description.

That’s a reflection on the bank’s poor design choices and not on FPS. See Starling and Monzo for examples of doing this right.

Does not take anything like that with Lloyds, or TSB, nor do transfers from Wise or anything else I have used.