To clarify for everyone:
Something indeed seems to be more clear or different now, as I understand it and from the available information I gather that the following banks will implement Instant Payments this year: AEGON, ING, Rabobank & Volksbank group (ASN, SNS & Regiobank) with the European SCT INST scheme** from EBA on RT1 Clearing (of which bunq and ABN are already participants) but the Dutch system will come with it as a set of rules so to speak, on top of it, meaning they will process domestic payments in each direction within 5 seconds with no limit of 15k on a transfer.
How this implementation will unfold in practice, we will have to see, but I can make out the following situation:
Example 1:
Pete is with Aegon Bank*.
Pete transfers 15.000 euro to Kevin.
Kevin is with bunq
Kevin receives the money, 24/7/365 within 10 seconds.
Example 2:
Pete is with Aegon Bank*.
Pete transfers 15.000,01 euro to Kevin.
Kevin is with bunq
Kevin receives the money, the next working day.
Example 3:
Pete is with Aegon Bank*.
Pete transfers an amount between 0 and 1.000.000 euro to Kevin.
Kevin is with Triodos
Kevin receives the money, the next working day.
Example 4:
Pete is with Aegon Bank*.
Pete transfers 15.000,01 euro to Kevin.
Kevin is with Rabobank
Kevin receives the money, 24/7/365 within 5 seconds.
Example 5:
Pete is with bunq
Pete transfers 15.000 euro to Kevin.
Kevin is with ABN
Kevin receives the money, 24/7/365 within 10 seconds.
Example 5b:
Pete is with ABN
Pete transfers 15.000 euro to Kevin.
Kevin is with bunq
Kevin receives the money, 24/7/365 within 10 seconds.
Example 6:
Pete is with bunq
Pete transfers 15.000,01 euro to Kevin.
Kevin is with ABN
Kevin receives the money, the next working day.
Example 6b:
Pete is with ABN
Pete transfers 15.000,01 euro to Kevin.
Kevin is with bunq
Kevin receives the money, the next working day.
(*or replace with: ABN, ING, RABO, SNS, ASN, REGIO.)
** Source:
https://www.europeanpaymentscouncil.eu/what-we-do/be-involved/register-participants/registers-participants-sepa-payment-schemes
https://www.europeanpaymentscouncil.eu/sites/default/files/participants_export/sepa_instant_credit_transfer/sepa_instant_credit_transfer.pdf?v=1552295452
{Een Nederlandse versie van deze tekst kunt u hier vinden.}