[iurisilvio]

Brazilian living in NL, experienced in both. I think biggest difference is Tikkie doesn't give you an easy identifier. Great for privacy, but being able to send money to your email/phone number makes a difference for some real time use cases. QR code helps, but it is not the same.

[usrnm]

IBAN works pretty ok as an identifier when you need that. Bank transfers between Dutch banks are almost instant anyway

[kristjank]

It is instant provided your financial institution works within the SEPA Instant transfer system

[Sukram21]

Since last year, all EU banks have to support SEPA Instant Transfer, both receiving & sending, at the same price as a usual transfer (Instant Payments Regulation 2024/886)

[ptman]

If only https://en.wikipedia.org/wiki/EPC_QR_code supported a sepa instant bit so that one could just show a qr code, scan it with whatever payer banking app and authorize the sepa instant payment.

[Freak_NL]

This is what Ideal/Wero does. Because this is the standard for webshops in the Netherlands (and rapidly expanding to the whole EU) the only gap left to fill was that of consumer-to-consumer transfers with just a QR code to scan. Tikkie I mentioned above solves that well enough in the Netherlands, although that bank-run app is horribly laden with stupid ads and deals you can't seem to turn off.