Hmm.....as an ex Bankie myself..I kinda know the delays that may happen in bank transfers.and have just accepted the fact that they will never....in the near future..be considered "instant'.!
I did once work in a centre that worked overnight to try to get deposits processed as fast as possible..but still there were many other factors that prohibited that happening.
A big difference between bank transfers and ..let's say Paypal..is that the banks will always release funds when they are sure they are clear...not like Paypal that may say funds are clear..and then whip them out from under you after you have sent the item and thought everything was OK.
To my way of thinking...this is one of the most profound problems that Paypal faces. They are relying on verification through the banks to clear funds..but if they stuff up... then it's either the consumer or the banks that suffer.
Paypal NEVER loses out!
They need to be accountable! Thay need to provide proper verification of their members and not ride on the coat-tails of the banks.
And the Roo has spoken...lol...