[randsp]

Can we? My experience is the opposite, I live in Spain and fast transfers are definitely not free and not generally available in all banks. The regular case is transfers take about 24-48 hours to be settled between banks

[sildur]

I have a different bank, but as you can see here, instant transfers are free for personal use: https://www.paysera.com/v2/en/blog/what-is-sepa

I have been reading about instant transfers and I think the banks don't have to pay for individual transfers, they pay a fee for being part of the SEPA system. If that is correct, then every cent you bank charges you for an instant transfer goes directly to their pockets.