[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.