A.Champ- Edited
Yesterday I had a Marktplaats (online marketplace) payment of 10 euros delayed by a day. It as a bit embarrassing since when I went to fetch the merchandise I boasted to the seller that bunq payments to dutch banks were always instant. I am sure they used to be, at least until recently. I never experienced any problems with that unti yesterday.
After a few minutes wainting I had to cancel the payment (which was fortunately possible, I did not know that option) and use a 'Tikkie' instead (ABN-AMRO). So I had to use the app of a competiting bank in order to be able to pay instantly.
If the purpose of delaying 'instant' payments with 24 hours is to protect bunq clients from scammers, why not offer bunq clients to set a limit in the app above which amount the delay is turned on. I think most people will prefer the ease of instantauous payments of small amounts (even to counterparties they had not made a payment to before) above losing small amounts to scammers. Personally, I would probably set such a limit to 250 euro's since more than 95% of payments to previously unknown counterparties are below that limit. Scammers try to scam you from much larger amounts of money. I would not mind waiting 24 hours for payments above 250 euro's.
And of course, changing that limit should also be delayed 24 hours, since otherwise scammers would easiliy circumvent that restriction.