In China with Alipay, I receive transfers instantly and deposits to my bank account "can take up to 2 hours", but typically land within 5 minutes. I get instant WeChat notifications whenever my card is used. Although, to be honest I haven't used a physical card in months. I pay for everything with QR codes. There's a code you can present to the attendant and they scan you (typically faster) and then I authenticate the transfer with a fingerprint or pin. It's honestly astounding to see how advanced the financial system is here, ESPECIALLY when compared to the bullshit that currently exists in the US.