Brazilian living in NL, experienced in both. I think biggest difference is Tikkie doesn't give you an easy identifier. Great for privacy, but being able to send money to your email/phone number makes a difference for some real time use cases. QR code helps, but it is not the same.
replyIBAN works pretty ok as an identifier when you need that. Bank transfers between Dutch banks are almost instant anyway
replyIt is instant provided your financial institution works within the SEPA Instant transfer system
replySince last year, all EU banks have to support SEPA Instant Transfer, both receiving & sending, at the same price as a usual transfer (Instant Payments Regulation 2024/886)
replyIf only https://en.wikipedia.org/wiki/EPC_QR_code supported a sepa instant bit so that one could just show a qr code, scan it with whatever payer banking app and authorize the sepa instant payment.
reply> free when using SEPA, and often nearly instant as well
replyIt shocks me how well it works sometimes. Literally press pay and move eyeballs to notifications and it's there already.
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