SEPA would be a decent solution with instant QR code generation and app payments, but the transfer fees are ludicrous for daily use (~1-2€ per wire). Or maybe it's just my bank being greedy fucks as usual.

Huh, I thought the EU had mandated for instant SEPA transfers to be free. Maybe it’s just national. What country are you in?

Yes. In some eastern EU countries instant SEPA payments with QR are already super popular because you don't pay fees and you don't need special terminal/gateway.

It is your bank, I don't pay for transfers.