Comment by rendx

> If you request an IBAN transfer, it's never instant.

"In 2024, EU adopted Instant Payment Regulation, aiming to accelerate instant payments in Europe. For EU member states operating in euro it partially took affect in January 2025, for non-euro member states it will partially take affect in January 2027. This regulation includes requirements to send and receive transfers within 10 seconds, as well as to implement the Verification of Payee service."

https://en.wikipedia.org/wiki/Instant_payment