All customers with a current account are able to send and receive SEPA instant transfers within seconds free of charge.
Outgoing transfers are sent as SEPA Instant automatically as long as the receiving bank is part of the SCT instant Scheme. Otherwise, the transfer will be sent as a SEPA credit transfer to arrive in 1-2 business days.
While SEPA Instant transfers are typically processed within seconds, delays can still occur due to regulatory requirements.