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Are you talking about SEPA Instant? It's already here, across the whole eurozone, and usually free (some legacy banks charge a small fee).


The EU is ahead but it's not as widely availible as you claim. The leaders are Austria and Spain and they hover around 50% banks having it

https://www.cpg.de/wp-content/uploads/2021/10/sepa-instant-c...


Your source is from 2021, so hardly representative of today.


Oh yes centuries ago indeed




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