I only realized after leaving the US how insanely slow transfers are there. In Hong Kong, transfers are basically instant. In Japan they often finish within 10 minutes. HSBC HK's daily transfer limit (not FPS) for me is about 3m HKD ~ 385k USD.
I've transferred 30k within seconds to IBKR before.
Your typical ACH transfer takes 3 days, but it seems like some banks have set up some kind of agreement or system by which transfers are pretty instant. Between the bank where I have my personal checking and the bank where my sister and I share an account, transfer is instant. There's a newish means of logging into one bank through another, and once you establish that relationship it enables this kind of transfer.
> I've transferred 30k within seconds to IBKR before.
30 K EUR using instant SEPA tx?
Transferring EUR to IBKR takes about one to two days for me so YMMV.
As for the daily limit, it really depends on the bank and how much you have there: at one bank of mine I can tx up to 125 K EUR from the banking's website myself. At another bank I'm stuck at 5 K EUR max (!) and the option to raise that limit to 25 K EUR ain't working for me.
Some of those limits are insidious because they risk causing people to trigger fraud checks for structuring/smurfing (doing multiple transfers below the reporting limits to avoid them), so by setting low limits they risk causing innocent users to inadvertently engage in behaviours that'll cause problems.
I've transferred 30k within seconds to IBKR before.