Comment by zihotki

According to the regulations, https://www.ecb.europa.eu/paym/integration/retail/instant_pa... , equality of charges must be implemented before 9 January 2025 for member states and before 9 January 2027 for non-member states. And SEPA is a euro only. So conversion fees will apply for Switzerland.

There is also another thing in the works based on SEPA instant payments - Wero ( https://wero-wallet.eu/ ) but it will take some time to implement all functionality and roll it out.