@EU_Commission Yes, and?

#Revolut already has instant transfers and it works. My Austrian bank has a switch that one has to explicitly use to get instant transfer, which is a sham. And the one my wife uses apparently hasn't even implemented it. There is no excuse for this.

Give the banks six months to implement the instant money transfers system. Make it expensive for those that don't. And publish a white and black list so that we know which banks to use.