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Where I live (in Estonia) all bank transfers are instant payments, and they are free. I don't have to pay a transaction fee for them.

Must be a problem with your bank, or the other banks. They must implement the instant payments in their systems.

Here in Estonia the SEPA payments were a step back, because we already had a quite fast transaction system between banks, transactions happened about every hour or so. Then came SEPA and transactions became slower, and now we have instant transactions, even better.



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