Its use is increasing every year. But five years after its launch in France, the instant transfer is still struggling to take off. For individuals, however, it has a huge advantage: that of transferring sums of money from bank to bank in a matter of seconds, at any time of the day or night. The funds are immediately visible and usable by the recipient, whereas it usually takes at least 24 hours, or even 48 hours or 72 hours, to see a standard transfer confirmed.
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