Patryk The processing windows are the same for all banks because they're not determined by the banks in the first place. The banks are connected to inter-banking systems that work on a certain schedule. Of course bunq takes full advantage of the available processing windows and tries to send and receive money as soon as possible. But these systems aren't real-time and don't work at nights and on holidays. That's why bunq is also connected to all pan-European instant payment networks, so if the other bank is even connected to just one of them, you should be able to send transfers between bunq and that bank instantly at all times.
You can criticize them for many things, but speed of transactions I would say definitely not.
