Which is a fucking insult. The moment i pay anything with a debit card the payment is already noted in my account, just the formal transfer of the money hasn’t happened yet. But both banks already know the transaction and they know that they will do the transaction, everything is there already. But they just didn’t do the switch.
It is like you would go to an airport, have your luggaged checked in, go through the security, board the plane and everything is ready. Also the starting lane is empty. But the flight will wait until the next day, because thats how it has been done since the days of olde.
Not in Germany, at least not when using different banks.
Most banks have an instant payment option that comes with a fee.
Which is a fucking insult. The moment i pay anything with a debit card the payment is already noted in my account, just the formal transfer of the money hasn’t happened yet. But both banks already know the transaction and they know that they will do the transaction, everything is there already. But they just didn’t do the switch.
It is like you would go to an airport, have your luggaged checked in, go through the security, board the plane and everything is ready. Also the starting lane is empty. But the flight will wait until the next day, because thats how it has been done since the days of olde.
It’s also such a dumb idea to cut this feature. People will just substitute bank payments for PayPal.
Then I would suggest switching. Even my Sparkasse which charges for everything through the nose doesn’t charge anything for SEPA Instant Payments
In 2020 only 62,4% of the banks in the EU supported it.
That’s not true for every bank. My bank supports instant payments (for free) regardless of the receiving bank.