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> with UK, I encountered multi-day wait times

with Faster Payments local transfers in the UK happen instantaneously. this has been the case for more than a decade. all banks participate and makes transferring funds in the UK a breeze.

to give you an example as to how fast this payment system is: i press pay and the money is received on the other end before the “successful transfer” screen pops-up on my device :)

for international payments i’ve noticed that it takes less time to receive money from the UK than it is for the receiving party to do a local transfer :)

it’s mind boggling honestly.

https://en.m.wikipedia.org/wiki/Faster_Payments_Service



A similar system was implemented across the SEPA in 2017, although it's opt-in for banks.

https://www.europeanpaymentscouncil.eu/what-we-do/sepa-insta...


It's distribution was very unequal in my experience (2008-2014). Not as bad as USA, but still. And of course the acceptance of bank transfers seemed hilariously low vs cheques.




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