Does your bank offer instant payments? If yes, what is the price?
Do you use it or plan to use it? If yes, in which use cases?
My feedback:
Raiffeisen offers 12 free instant payments a year, then 2.-.
I use it to top my neon card. However, even if the payment takes less than 1 minutes to appear on the neon bank account. It takes up to 30min to be able to use it with the credit card. Neon has confirmed that it’s not optimal and are working on a solution to shorten the delay.
No, I do not use it, yet.
Is probably nice for really urgent payments.
UBS has instant payments for CHF 5, never used it so far though. I guess I would use it in a real emergency.
TWINT is sort of an instant payment too, though, under circumstances. Must admit I really like TWINT!
I actually don’t use it. I had no use case since today where instant payment was necessary.
I use Twint or credit card if “urgent”.
Recently sent money from Yuh to ZKB and it was gone from my account immediately. (Assume it arrived there as well instantly)
There were no costs or options to choose for instant payment.
But that’s n=1, no other (positive or negative) experiences.
Other than buying a mansion over the weekend , I can’t think of any real use case for instant payments 
For urgent payments UBS 5 CHF would work I think
I’m using it for moving money around banks and paying bills with different accounts in one smooth session. I’m with Raiffeisen too for the time being so the 12 free instances cover my once a month ritual. It’s really not required and not a feature I’d request, but it’s there so I’m making some use of it.
Does it also work for payments outside EU? If yes, that would be a usecase for me personally. In switzerland twint works pretty good and is probably more convenient most of the time.
Instant Payment in switzerland could make sense for a business. Compared to twint you could avoid the fee payed by the seller (as a business, not as private person)
Outside of EU you’re in the old school wire transfer mode, so no.
Here we’re talking about domestic CHF wires.
I don’t think my bank(s) offer what you describe. Never missed this feature though up till now.
I regularly still use this old-fashioned paper money for instant payments though, and extremely happy with its acceptance, cost and efficiency.
I recently tried neon to neon. It took 3 minutes, not at all instant.
Same here.
My prediction (I could be completely wrong) is that within the coming years instant bank transfers will become widely used as a payment method. The reason is that the costs are massively lower than accepting credit cards, debit cards, or Twint.