oh for some reason i thought you meant like some sort of generic cash vouchers. i even have those mullvad scratch-offs myself. i'm a dumb.

Apparently, we now have instant bank transfers accross entire SEPA

We've had those for nearly a decade, some banks just took ages to update their apps and websites to actually make use of it for all eligible payments because of course they did.

Just 4 years ago, it cost like 3 or 7 euros to transfer money to Revolut from Swedbank Estonia and it took a business day, because it was considered a foreign transfer and Swedbank had "domestic transfers" and "foreign transfers" as separate options and the former couldn't send to a Lithuanian IBAN and the latter didn't use SEPA Instant. Other Estonian banks did it instantly already by then.