[enzo1982]

We have mandatory 1 business day bank transactions in Euro currency in Germany and the EU since 2012. If your bank is taking "up to three _work_ days" for regular Euro transactions they are violating the law (§675s BGB).

As of last year, most banks also offer instant (10 seconds) transactions for a small fee. This is planned to be made mandatory at the end of 2021. My bank is charging 0.50€ for such transactions which is significantly less than the median Bitcoin transaction cost (more than $1 in 2020 average, more than $5 currently).