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Wise (former Transferwise) is pretty much instant in the EU, with very low fees.

Even then, transferring money with SEPA from my Swedish account to friends in Germany, Poland and the Netherlands is pretty much instant, I just don't like the exchange rate of my bank.



Wise (Germany->Poland) is the one who took me 4 days (Friday->Tuesday)...

I have no idea how you did an instant transfer from Sweden to Poland.


It might depend on the amount.

Wise might not had the liquidity in your currency pair, and you had to wait for a transaction to happen in the reverse direction.

(Just speculation)




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