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Americans need strange third party apps to do basic operations like this, which often makes their opinions on EU financial sector confusing

To be clear, I'm from France and I have not heard of free instantaneous bank transfer with major banks

This page[1] seems to imply instant SEPA transfers are a thing in France, but I don't know which banks support it.

Yes they are a thing but it can cost something like 1€ to actually use it. Although online-only banks now offer it for free.