[bialpio]

This is only a selling point in places like USA. Even before moving to the USA 13 years ago I was able to send money via wire transfer domestically for free, and it settled within 1 business day (to me that's fast enough). IIUC nowadays intra-EU wire transfers also are free (but I kinda view them as "domestic"), however I'm not sure how quickly they settle. The way how banking worked in the US was definitely one of the biggest culture shocks I've experienced when moving (and not in a positive way).

[Ekaros]

Less than 10 seconds for SEPA Instant. Still some stragglers, but I have understood coverage starts to be pretty good.

[KellyCriterion]

....coverage is obliged by ECB since of 01.10.2025 :-) (for 100% implementation, some banks had earlier already the option to receive them but it was not widely used as nearly no one was able to send before the regulatory forces stepped up to enforce support for it)