It’s so normal that I can’t actually remember it ever being any different. Even before the advent of mobile banking it was the same with internet banking. Instant transfers.

I do this in the States. Maybe you haven’t noticed the option on the bank’s site? Also make sure to use a credit union.

In the US we have Zelle which is free and instant, but it’s still a third party your bank integrates

In Australia we’ve had free next business day transfers for as long as I can remember. Decades.

The transition to transfers that clear in seconds was happened gradually as bottlenecks were removed from the infrastructure one by one. Some transactions were instant a couple decades ago, but it’s only in the last few years that most transactions are instant here.

These days, Visa/Mastercard are basically the slowest way you can pay someone. It’s still the most commonly used option though, since it has the best fraud protection.