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> ? IBAN transactions are instant and free.

Instant transactions are a very recent development and are only starting to become common because banks are required by law to support them for free come October. Up until rather recently instant SEPA transfers were often either not supported or came with additional fees attached.

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Based on the replies I've been seeing in this post, I'm starting to think that my banks (or I've somehow lucked out) have been very proactive in providing users with desirable features.

Instant transfers have been the default for quite a while, and possible (for a fee) for as long as I can remember.

Online payments with instant confirmation have been really easy for 15+ years.

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