Brazilian living in NL, experienced in both. I think biggest difference is Tikkie doesn't give you an easy identifier. Great for privacy, but being able to send money to your email/phone number makes a difference for some real time use cases. QR code helps, but it is not the same.
Since last year, all EU banks have to support SEPA Instant Transfer, both receiving & sending, at the same price as a usual transfer (Instant Payments Regulation 2024/886)
