[kuschku]

Which bank is this? Since 2014, SEPA-ICT has been introduced, and since this year, every bank should support it.

Normal SEPA transfers are mandated to be free and < 24 hours, and SEPA-ICT transfers are mandated to be < 1.5€ and < 15 seconds, but most banks implement those for free.

As you can freely choose any bank in the EU, you might want to consider German Commerzbank, which implements free < 15 seconds transfers to any other SEPA bank (except for student accounts, those have to pay 1.50€ for those transactions).