ECB TIPS since 2018 enables instant credit transfer at very low cost for the system. In a recent news in the EU last year about 11% of payments were TIPS. Have you ever used it?

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Market share of TIPS vis-a-vis other ACHs 9.3% in Q1 2023 and €0.002 fee https://www.ecb.europa.eu/paym/groups/shared/docs/4abc4-ami-pay-2023-05-04-item-2.1-tips-in-operations.pdf

Revised fee from 2024: originator €0.001 / beneficiary €0.001