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Well, it's a law within the EU that instant payments need to be fulfilled within 10 seconds. If you select that after logging into your bank it shouldn't be an issue, though it should be the automatic option, IMO; you shouldn't have to enable it, but rather disable it if you don't wanna send money instantly, and IMO banks should already know this. My only gripe is that most banks in Europe don't have a proper "user account" system. It's more of an address book as opposed to a contacts list. I'd prefer pressing on my peer's name through a search function on the home screen, than needing to select his name from a list after pressing the specific button for it in the menu to send money, which I've already had to press another specific button for; just to reduce the steps needed to send money. I don't see why that is not doable.
Knowing the EU and my country, the reason is "security" by difficulty. Boomer-ass continent.