IBAN 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.
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